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I live in North Carolina and my auto insurance lapsed. They are telling me my tags are revoked and I need my car to get back and forth to work. I will pay a fine if I need to. Can I keep my tags?

Most states take financial responsibility, usually in the form of car insurance, very seriously. This is why they have penalties such as revocation of license or tags when you are found to be without auto insurance. When you change insurance carriers or have a lapse in coverage the insurance company is required to notify the DMV.

According to the North Carolina Department of Transportation if you have a lapse in you will be sent an "FS 5-7 Notice", which you need to respond to within 10 days. To retain your license plate you must re-certify with correct insurance information (this means the car must have new or proof of current insurance) and submit a payment of $50 within the given 10 day limit.

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Failure to respond within the 10 days will result in the loss of your license plate (tags) for 30 days. After those 30 days, to get your plates back you must:

  • provide proof of insurance coverage Form FS-1,
  • pay a $50 civil penalty fee,
  • pay a $50 processing fee,
  • pay the appropriate license plate fee

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You will be able to keep your tags if you follow the instructions above.

Follow this link to get a North Carolina auto insurance quote immediately or contact the North Carolina Division of Motor Vehicles.

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Car Insurance Related How do I go about getting a DL123 in North Carolina to obtain a driver's license when I do not own a car?
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Visitor Comments
Didn't really answer the question. NC has the worst laws. Why not a temp tag with a fee? I had a wreck one time and the driver had no insurance at all and I get tagged for paying late once in 38 years? Really?
Comment added: 07:40 AM Jan-15
Even a Drunk Driver can retain their driving privileges after being caught- they at least get a "Cinderella" license to get back and forth to work. I don't agree AT ALL with taking the tags. In this economy it's difficult to keep up with all financial obligations. Maybe if it is a repeat offense, but all situations are different. I have no choice but to continue to drive with "revoked" tags- I'm self-employed and need my vehicle to pay the bills.
Comment added: 11:52 AM Dec-05
The system is jacked up period!
Comment added: 01:51 PM Feb-02
So how do they expect you to get back and forth from school and work? I understand the revocation of the tags but if I have to turn my tags in for 30 days what do they expect me to do?
Comment added: 01:49 PM Feb-02
These laws are not enforced to help us at all. I can understand the penalty however, a temporary tag needs to be issued we still have to go to work and provide for our families. We need to know what happens after the tags have been rovoked.
Comment added: 08:56 AM Jun-25
this is exactly what has to happen in order to keep your tags. the author even tells how to get it back at the end of the post.
Comment added: 12:56 PM Jan-15
this seems to be a terrible set of laws and looks to be designed to drive people under and keep them there. by the way, you only described what happens. and does the 30 day revocation period start the day after the 10 day deadline or the day of? also, i got this letter in the mail months after my deadline. is there anything i can do to contest it?
Comment added: 01:50 AM Feb-19
do they issue a temporary tag of any kind during the 30 day lapse
Comment added: 11:44 AM Aug-25
This explains what to do to keep your plates from being revoked not what you can do afterwards.
Comment added: 09:11 AM Mar-31
He asked if there was a way to keep his tags because he needed to be able to get to work. Didn't really answer that.
Comment added: 12:09 PM Jun-12
Question Details
This car insurance answer was last updated 3:30 PM Jan-20.
This Save Money question was asked 10:10 AM November-30-2005.
Connie G. requested this car insurance help from CarInsurance.com experts.
Rated 3.27 out of 10 based on 30 votes.
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