The police stopped you for not making a complete stop at a stop sign. When the officer asked for your license, registration and insurance card, you only gave them the license and registration.
You have not had vehicle insurance for a few months. The penalties can be significant no matter why you have not carried insurance on your vehicle.
Insuring your vehicle is a legal requirement
Every vehicle with a North Carolina registration is required by law to be covered by liability insurance. It protects you and your family against both property damage and injuries that have been caused by other drivers.
You are also required to hold coverage for underinsured/uninsured drivers. Minimum coverage for bodily injury and property damage is also mandatory.
Your insurance provider must be licensed in North Carolina
North Carolina law also requires you to buy insurance from an insurance company that is licensed to operate in the state – out-of-state policies are not accepted.
If the police stop you and find out you do not have valid insurance, they will give you a ticket. This is not a minor matter. If you are stopped again, and the officer finds you do not have insurance, you could lose your driver’s license. Once you buy a new policy, the rates will be much higher than what you paid before letting it lapse.
If you lose your driving rights, you could find it much harder to support yourself or your family. Understanding how you can defend against an insurance-related ticket will be crucial to get back on the road as soon as possible.