Skip to main content
NC DOI logo NC DOI

Topical Navigation

  • Home
  • Consumers
    Consumers
    • Assistance or File a Complaint
    • Auto and Vehicle Insurance
    • Homeowners Insurance
    • Health Insurance
    • Life Insurance
    • Medicare and Seniors' Health Insurance Information Program (SHIIP)
    • In a Disaster
    • Annuities
    • Business Insurance
    • Disability Income Insurance
    • Travel Insurance
    • En Español
  • Assistance/Complaints
  • Insurance Industry
  • Licensees
  • Fraud Control
  • OSFM
  • ABOUT
  • NEWS
  • CONTACT
  • CAREERS
  • NC.GOV
NC DOI »   Consumers »   Auto and Vehicle Insurance

Auto and Vehicle Insurance

Boat Photograph

What is Auto Insurance?

Auto insurance is a contract between you and the insurance company. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy contract. Automobile insurance protects you financially by paying the other driver’s car repair and medical bills if you are found legally responsible for an accident. Depending on the kind of coverage you have, it can also pay to repair or replace your car if it’s damaged or stolen.

Certain policy coverages are optional by the insured. Basic personal auto insurance is mandated by most U.S. states and laws vary. In North Carolina, liability coverage is required, along with uninsured motorist coverage. Policies are generally issued for six-month or one-year time frames and can be renewable.

If you have questions, the Consumer Services Division of the Department of Insurance is here to help.

Toll-free: 855-408-1212

North Carolina Department of Insurance
325 N. Salisbury Street
Raleigh, NC 27603

Request Assistance or File a Complaint

 

Related Content

What is Automobile Insurance Fraud
Consumers Guide to Auto Insurance
It Pays to Be a Safe Driver - Insurance Points
Administrative Rules changes for Claims Handling - 2020

Consumers

  • Assistance or File a Complaint
  • Auto and Vehicle Insurance
    • Basic and Miscellaneous Auto Coverages
    • Driving for a Transportation Network or Delivery Network Company
    • Losing Your Insurance
    • After an Accident
    • Safe Driver Incentive Plan
    • Teen Drivers
    • FAQs About Auto Insurance
    • Boat Insurance
    • Motorcycle Insurance
  • Homeowners Insurance
  • Health Insurance
  • Life Insurance
  • Medicare and Seniors' Health Insurance Information Program (SHIIP)
  • In a Disaster
    • Before the Storm
    • During the Storm
    • After the Storm
    • Recovery From a Fire
    • Protecting Yourself from Scams
    • Additional Disaster Resources
  • Annuities
    • Types of Annuities
    • Annuity Options
    • Shopping for Annuities
    • Annuities and Senior Citizens
    • Associated Cost
  • Business Insurance
    • Types of Insurance for your Business
    • Surety Bonds
    • Surplus Lines for Businesses
    • Workers Compensation
  • Disability Income Insurance
    • Policy Limitations and Exclusions
    • Supplemental or Optional Benefits
  • Travel Insurance
  • En Español

Quick Links

  • Look up an Insurance Company
  • Look up an Insurance Agent
  • Insurance Company List Search
  • How to file a Complaint
  • Consumer Information from NAIC
  • Download Our Mobile App

Share this page:

  • Facebook
  • Twitter
  • Email

How can we make this page better for you?

Back to top

Contact Us

North Carolina Department of Insurance

Physical Address:
Albemarle Building
325 N. Salisbury Street
Raleigh NC 27603-5926

Mailing Address:
NC Department of Insurance
1201 Mail Service Center
Raleigh NC 27699-1201

Toll Free 855-408-1212

Agent Services: 919-807-6800

Contact NCDOI
Employee Directory
Careers at NCDOI
Calendar

Recent Tweets

Tweets by @NCInsuranceDept

Follow Us

  • Facebook
  • Twitter
  • YouTube
  • LinkedIn
  • RSS Feeds
  • Accessibility
  • Terms of Use
  • Privacy Policy
  • Open Budget
NC DOI
https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance