Any Winston-Salem driver caught driving without insurance will be assessed a Class 1 misdemeanor with an immediate driver’s license/registration suspension and fees increasing with every offense.
First-time offenders will be expected to pay fines up to $50 and up to $150 for subsequent offenses. In addition, offenders will also pay restoration fees. Luckily, proof of insurance will reinstate your driving privileges within ten days of receiving your notice and fee payment.
Getting into an accident when uninsured may double or triple your premium. This will be on your record forever and insurers may charge you more for up to 10 years. Your insurer can even deny coverage for multiple offenses committed within a short period of coverage.
Remember, all North Carolina drivers must carry minimum liability insurance of $30,000 for bodily injuries per person, $60,000 for bodily injuries per accident, and $25,000 for property damage.