Even if the car you were driving was uninsured and unregistered you should still be able to make accident claims against the at-fault party's Liability coverages for your vehicle's damages. Since the car you were driving though was without insurance or registration than police could cite you for these offenses.

In North Carolina, the minimum requirements of liability for private passenger vehicles are $30,000 for bodily injury for one person; $60,000 bodily injury for two or more people and $25,000 property damage. This is referred to as 30/60/25 of Bodily Injury Liability and Property Damage Liability. North Carolina law requires each company to notify DMV upon the issuance of a new policy and when coverage has been cancelled.

If there is a break in car insurance coverage, you must re-certify with the correct insurance information and submit payment of $50.00 within 10 days from the date of the letter (notifying you that the NC DMV has been alerted to the uninsured status of your vehicle) in order to retain your license plate. Failure to respond within the required time can result in the loss of your license plate for 30 days.

In order to re-license after 30 days, you must provide proof of insurance coverage Form FS-1 (which you can obtain from your insurance agent), $50.00 restoration fee, $50.00 service fee (if a plate pick up order is issued) and the appropriate license plate fee.

If you are found driving or in are involved in an accident without insurance the penalties can be harsher, including the suspension of your driver's license and 3 points on your driving record. For more information on the penalties you can read through the NC General Statutes Chapter 20, Article 9A, the Motor Vehicle Safety and Financial Responsibility Act

North Carolina law says that all self-propelled vehicles and all vehicles without active power designed for carrying passengers or property and for being pulled by self-propelled vehicles, exclusive of those specifically exempt, are subject to registration.

Every owner of a vehicle which is to be operated upon any street or highway of North Carolina and not exempt from registration shall before the operation apply to the Division for a certificate of title and a registration plate and attach the registration plate to the vehicle.

North Carolina General Statutes 20‑111 notes the violation of registration provisions. Here it states that it is unlawful for any person to drive a vehicle on a highway, or knowingly permit a vehicle owned by that person to be driven on a highway, when the vehicle is not registered with the Division or does not display a current registration plate. The penalties are not listed here so we continue to look at NC laws.

NC Statute 20‑118.3 is titled vehicle or combination of vehicles operated without registration plate subject to civil penalty. Here it states that:

Any vehicle or combination of vehicles being operated upon the highway of this State either by a resident or nonresident without having been issued therefore a registration plate by the appropriate jurisdiction shall be subject to a civil penalty equal to the North Carolina annual fee for the gross weight of the vehicle and in addition thereto the license fee applicable for the remainder of the current registration year, provided a nonresident shall pay the North Carolina license fee or furnish satisfactory proof of payment of required registration fee to its base jurisdiction.

So it appears you would be facing a civil penalty equal to the registration fee for your vehicle type in addition to the applicable amount that you should have paid for the current year's registration period. You can contact the NC Department of Transportation to find out how much the registration fees would be for your type of vehicle.

If you were cited for driving without registration and insurance in North Carolina you can contact the court listed on your ticket to find out about your possible fines and other penalties for these violations of NC law.