Reader's Question: I do not own a car but want to apply for a North Carolina driver's license. Do I need to purchase a car insurance policy? Donna Charlotte, NC The North Carolina Department of Transportation (NCDOT) Division of Motor Vehicles (DMV) has ratified a legislation, which necessitates driver's license applicants to furnish them ...

Reader's Question: I'm from North Carolina. Will my driver's license be suspended if I have multiple tickets? If it is suspended, will my car insurance premium increase? Edward Cary, NC North Carolina may suspend a driver's license for as long as one year if various infractions were committed. Failure to comply with court ...

Reader’s Question: Hi there. I hear that high-risk drivers are given higher auto insurance rates than others in North Carolina. How do I know if I am a high-risk driver? Donald Charlotte, NC Hi Donald, it’s true that some high-risk drivers get higher auto insurance rates than the others who do not fall into ...

It is common for drivers to ask if UM/UIM covers property damage in hit-and-run accident? The North Carolina Department of Insurance (DOI) defines the uninsured motorist (UM) policy as one which will provide protection when an uninsured driver, who is at-fault, injures you o...

The Tennessee Department of Safety notes that evidence of financial responsibility needed to comply with the TN law includes documentation such as an insurance card, binder or declaration page of a policy from an insurance company authorized to do business in Tennessee stati...