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Car Insurance Question  I got insurance and the DL-123 form, however that was more then 60 days ago. Can I still get my licence and show them my insurance card, even though the DL 123 has expired?

The North Carolina driver's manual notes that the NC 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 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:

These documents must show:

  • Applicant's name;
  • Effective date of policy;
  • Expiration date; and
  • Date the policy was issued

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 nonfleet 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.

North Carolina law requires that a DL-123 form has to be filled out and signed by your auto insurance agency before you can receive your NC license. Certification of liability insurance coverage must be submitted to the DMV in this fashion and it must be from an insurance company licensed to do business in North Carolina.

The DL-123 form can typically be obtained at a DMV testing center or from your auto insurance agency. Since it and the other forms of insurance verification, the insurance binder or certificate, is only valid from 30 days from the date of issuance then no, you could not used an expired DL-123 to get your license with the NC Division of Motor Vehicles.

Since you have waited 60 days and the DL-123 form filled out by your auto insurance carrier expired after 30 days you will need to go back to your insurance provider and get a new one filled out that you provide within 30 days to the NC DMV.

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Question Details
This car insurance question was asked on 8/6/2008
This auto insurance answer was last updated on 8/8/2008
Jacob S requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
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