North Carolina State Specifics

DOI Phone: 800-JIM LONG (800-546-5664) – in North Carolina Only
919-733-2032 – outside North Carolina

DOI Website: http://www.ncdoi.com/

DOI Auto Insurance Info

  • NC Prayer for Judgment- A formal process whereby a court strikes a ticket from an insured’s record.
    • Add the ticket and the date into the system.
    • Add the Prayer for Judgment on the exact same date.
    • Both will appear on the MVR.
State Facts Number of Licensed Drivers: 5,690,494

Percentage of Uninsured Motorists: 5-10%

Bodily Injury Liability Mandatory: 30/60
Property Damage Mandatory: 25
UM/UIM/UMPD Mandatory: Same limits as those selected for BI and PD
Medical Payments Optional:

Medical payments coverage is optional in the state of North Carolina. It pays for certain medical and funeral expenses resulting from injuries sustained in an accident. This coverage applies per person to you and any occupants in an insured motor vehicle involved in an accident. This coverage also applies to you or any family member if struck while a pedestrian. See your policy for exclusions.