SR 22 Auto Insurance In North Carolina: What Is “Proof Of Insurance?”

Did you know that North Carolina is just one of two states that DO NOT require you to obtain SR-22 certification? You will still need auto insurance, of course, but this lax law comes as a welcome relief to many drivers.

What Is SR 22 Auto Insurance?

In most states, people carry an SR-22 document to prove their financial responsibility. If you are fortunate enough to have a “jackpot” of a savings account or a wealthy background, you do not necessarily need auto insurance if you can pay tens of thousands in damages should you cause an accident. Of course, it is not enough just to say you’ll pay. You must show proof, which is where this document comes in handy.

When Do I Need An SR-22?

Some people carry SR-22 documents when they have been convicted of a DUI or DWI. They also need it for an at-fault accident while driving uninsured. Individuals who have had repeat traffic offenses or tickets during a short period of time, a license suspension or a revocation will also need to carry an SR-22 in all states except NY and NC. Typically, these drivers are put on a probationary period for at least 3 years.

How Do I Show Proof of Insurance in North Carolina?

In North Carolina, you can use the FS-1 card (containing your name and policy number) that has been provided by your auto insurance company to show that you are financially responsible enough to drive. If you  get pulled over or involved in an accident, a police officer will routinely ask you for your “license, registration and proof of insurance.”

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