According to the NCDOT Division of Motor Vehicles the N.C. General Assembly has enacted legislation to require some (but not all) driver license applicants in North Carolina to submit proof of automobile liability insurance coverage in order to obtain a North Carolina driver's license. Proof of liability insurance coverage applies to those:
- Applying for an original license, including transfers from out-of-state;
- Whose licenses are being restored after revocation or suspension; or
- Awarded a "Limited Driving Privilege" by the court.
Certification of liability insurance coverage must be submitted on DMV Form DL-123, or an original liability insurance policy, binder or an insurance card and must come from an insurance company licensed to do business in North Carolina.
Form DL-123, binders and certificates are valid only for 30 days from the date of issuance. This does not apply to applicants who do not own currently registered motor vehicles and who do not operate non-fleet private passenger motor vehicles that are owned by other persons. In such cases it is required that a certification of exemption (DL-123A) be signed at the driver license office.
The exemption restricts the driver to the operation of "Fleet Vehicles Only". To remove the restriction the driver must pay a $10.00 fee and submit DMV Form DL-123.
So proof is required of some license applicants, not all, so you may want to check and make certain that you need to obtain in order to get your license. If this is your first NC driver's license then according to the information above it would appear that you would be required to acquire auto insurance. Since you do not own a car you would need to get a non-owners policy.
To find out if you must always keep this auto insurance on you or once you have your driver's license for a certain period of time you can cancel your non-owners coverage contact the DMV of North Carolina. Make sure not to allow your insurance to lapse due to non-payment or it could affect your credit report as well as your ability to acquire car insurance in the future.
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