NC DMV Insurance and Financial Responsibility 3

Question 1

Driving a motor vehicle in North Carolina without liability insurance is classified as:

Accepted Answer

A Class 3 misdemeanor

Answer

Operating a vehicle without required liability insurance is a Class 3 misdemeanor in North Carolina.

Question 2

The civil penalty the NC DMV charges for a vehicle owner's first insurance lapse is:

Accepted Answer

$50

Answer

The first lapse carries a $50 civil penalty, with higher penalties for repeat lapses.

Question 3

If your license plate is revoked because of an insurance lapse and you do not qualify to keep it, how long must you typically go without the plate?

Accepted Answer

30 days

Answer

An insurance-lapse plate revocation in North Carolina generally lasts 30 days before reinstatement.

Question 4

After an insurance-lapse plate revocation, what must you do before the plate can be reinstated?

Accepted Answer

Pay the civil penalty and restoration fee and show proof of current insurance

Answer

Reinstatement requires paying the penalty and restoration fee and proving the vehicle is insured.

Question 5

Who is responsible for making sure a registered North Carolina vehicle stays insured?

Accepted Answer

The vehicle's registered owner

Answer

The registered owner is legally responsible for maintaining continuous coverage on the vehicle.

(NC DMV) North Carolina Department of Motor Vehicle Practice Test