Why do I need car insurance to get a driver's license in NC?

I just moved to NC for grad school and I am completely confused about this license situation! I don't plan to get a car, but I was going to switch my license over since I will be here for a few years. The lady at the DMV said I have to have insurance to get an NC license. Why?

“The reason for this is that if you’ll be driving in North Carolina, the state wants to ensure that you have coverage to help pay for the other people’s property damage and medical bills if you cause a car accident.
To get a standard license, you will need to get an active car insurance policy. If you don’t plan to drive a borrowed vehicle while you are there and just want a current state identification card, you have another option.
The DMV will issue a license to you with a “”fleet restriction.”” A fleet restriction means you can only drive a vehicle that you are renting, and it requires you to purchase rental car insurance. You wouldn’t be able to borrow a friend or family member’s car to drive.
The other option would be to purchase non owners car insurance. A non owners policy will provide the state-minimum level of liability insurance, whether you rent or borrow a car, and it will allow NC to issue a standard driver’s license. “
Shannon Martin
Answered on May 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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