Reader’s Question: My wife and I will not own a vehicle for about two month in North Carolina. Should we buy an auto insurance plan for a non-owner policy? If we have a period without auto insurance, would we become considered as “high risk” and possibly have higher insurance rates? Plus, how often does a [...]

Reader’s Question: I recently filed bankruptcy and I need a vehicle. I can’t get myself a loan until the Bankruptcy is removed. My father is willing to get me a car in his name but I was wondering if I could carry the car insurance. I am over 25 and my driving record is not [...]

Reader’s Question: To list your marital status as separated on your car insurance application do you have to be legally separated from your spouse? I live in North Carolina. Harold Durham, NC Based on my research, yes you need to be legally separated from your spouse to list your marital status as separated on your [...]

Reader’s Question: My drivers license was taken when I received a traffic ticket. I was wondering if I can apply for car insurance in Durham NC while driving with a ticket in North Carolina. Jason Durham, NC   Typically, if your license was taken meaning that it is suspended or revoked in NC, then normally [...]

Reader’s Question: In the state of North Carolina, what is the maximum Medical Payment coverage you can get? Morris Durham, NC   According to the North Carolina Insurance Department, Medical Payment Coverage pays for reasonable and necessary medical and funeral expenses due to an car accident. The Medical Payments coverage will not provide coverage for [...]

Reader’s Question: My boyfriend was driving my car in North Carolina over the past weekend. He got pulled over for speeding and also received driving without a license ticket and a DUI. How will this affect my auto insurance rate now in North Carolina? Mitch Durham, North NC In North Carolina, tickets that other people [...]

Reader’s Question: My North Carolina insurance provider terminated my policy and my insurance was ceded (reinsured). This is done to bad risk motorist but I have a clean driving record with no accidents nor citations. Can you please explain to me why? Maria Raleigh, NC North Carolina law makes no provision regarding which motorist can [...]

Reader’s Question: I am a college student in NC, and I am having the title on the vehicle transferred from my grandfather in TX to me. Does it matter where the vehicle is titled for insurance purposes? Paul Greensboro, NC   As an out-of-state college student who intends to return in your home states upon [...]