SR-22 in North Carolina: What You Need to Know

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In North Carolina, an SR-22 certificate is not needed after you’ve been convicted of a serious driving violation. But, the state may require your insurer to submit a DL-123 form on your behalf as proof of insurance if your license is being reinstated.
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Continue reading to learn more about SR-22 in North Carolina.

SR-22 coverage in North Carolina

In many states, an SR-22 form is filed by your insurer after a major driving violation to prove you carry a minimum level of liability insurance—in North Carolina, however, this form is not required. Instead, you might be required to submit a DL-123 form if you’re trying to regain your driving privileges.
In North Carolina, all drivers are required to carry liability coverage. The state’s mandated minimum insurance requirements are as follows:
  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for property damage coverage per accident
North Carolina drivers must prove to the DMV that they carry at least the minimum coverage before they can register their vehicle.
Key Takeaway You may need to have your insurer file a DL-123 form on your behalf if you’re trying to get your license reinstated in North Carolina, but an SR-22 is not required in the state.
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Who needs SR-22 in North Carolina?

Drivers may need to file a DL-123, as opposed to an SR-22 form, to get their license reinstated.
Drivers face a combination of fines, license suspensions, and possible jail time for the following driving violations:
  • DUI or DWI conviction
  • Driving without insurance
  • Repeated traffic violations within a short period of time
  • Being responsible for multiple at-fault collisions

Moving to a state requiring an SR-22

If you’ve been convicted of a major driving offense in North Carolina, but subsequently had your license reinstated, you may need to file an SR-22 form if you move to a state that requires it.
In this case, you’ll need to find an insurer in your new state that will file an SR-22 form on your behalf, as your North Carolina insurer will not do this for you.
Key Takeaway If you were convicted of a major driving violation in North Carolina and you’re moving to a new state that requires SR-22 coverage, make sure you find an insurer in your new state to file an SR-22 for you.

How a license suspension impacts your insurance in North Carolina

If your license has been revoked or suspended in North Carolina, you should expect your insurance premiums to increase significantly upon reinstatement.
With a DWI or other major convictions on your record, a North Carolina driver can expect rate hikes from anywhere between 30% to 340% on their premiums.
With a major conviction, North Carolina drivers may have points added to their record, which may impact insurance rates as well. Points remain on a North Carolina driver’s record for three years after their date of conviction.
While your premiums will remain high for a few years, cleaning up your driving habits and maintaining a good driving record will go a long way in helping decrease your insurance rate over time.
Even though you’ll be faced with higher premiums upon reinstatement, make sure you shop around for the best insurance rate that you can find.
Key Takeaway In North Carolina, points may be added to your driving record upon a major driving violation, and will remain there for three years.

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