Can I waive PIP in Maryland?
In Maryland only the first named insured can waive PIP, in writing. Who limited PIP applies to, what PIP pays and who can reject it entirely.
What are the minimum auto insurance liability limits in Maryland?
Maryland's minimum auto liability limits are 30/60/15 with matching uninsured motorist coverage, and insurers must offer $2,500 of PIP. Lapse fees explained.
What are Virginia's minimum auto liability insurance limits?
Virginia's minimum auto liability limits are 50/100/25 for policies effective on or after Jan 1, 2025, and the uninsured motor vehicle fee option ended in 2024.
What are the minimum auto insurance liability limits in South Carolina?
South Carolina's minimum auto liability limits are 25/50/25, and uninsured motorist coverage at 25/50/25 is required too. What else SC drivers should know.
Can I keep my NC car insurance if I move to South Carolina?
Once your car is registered in SC, it needs an SC-licensed insurer and SC limits. How to switch from your NC policy without a lapse.
How long is the new driver surcharge in NC?
NC's inexperienced driver surcharge now lasts until a driver has eight years of experience for those licensed on or after July 1, 2025.
Does a PJC affect car insurance in NC?
A PJC is waived for NC insurance if no one in your household had another in the lookback period, which grew from three to five years in 2025.
Is underinsured motorist coverage required in NC?
Since July 1, 2025, underinsured motorist coverage is included in every new or renewed NC auto policy. What it pays and what changed.
What happens if my car insurance lapses in North Carolina?
If your NC auto insurance lapses, NCDMV sends a notice, charges a $50 to $150 penalty and can revoke your plate. The 30-day rule starts Oct 1, 2026.
What are the minimum auto insurance liability limits in North Carolina?
North Carolina's minimum auto liability limits are 50/100/50 for policies written or renewed since July 1, 2025, with underinsured motorist coverage included.
Total Loss: How Your Car's Value Is Determined
When a car is totaled the policy pays actual cash value, not what you owe or what you paid. Here is how that number is set and how to challenge it.
What to Do in the First Hour After a Car Accident
Nobody looks up an article standing on the shoulder of Highway 74. Read this now and keep it where you can find it.
Getting Back to Standard Rates After a Bad Record
A bad stretch on your record is temporary if you handle it right. Here is the timeline, what you control, and when to re-shop.
Your Motor Vehicle Report and How to Read It
Carriers price your policy off a document you have probably never seen. Here is what is on it, how to get it, and what to do if it is wrong.
DWI in North Carolina: The Insurance Consequences
A DWI conviction carries the largest insurance surcharge in North Carolina and the longest recovery. Here is what happens, and the path back.
At-Fault Accidents and Your Insurance Record
An at-fault accident is priced differently than a ticket in North Carolina. Here is how points attach, what they cost, and why fault disputes matter.
Speeding Tickets in North Carolina: What Each One Costs You
The fine is the small number. Here is what a North Carolina speeding conviction costs in insurance surcharges and how long it lasts.
The North Carolina Reinsurance Facility: Why Some Drivers Get Ceded
North Carolina has a mechanism no other state uses the same way, and many drivers in it have never heard of it. Here is what it is and what it means.
North Carolina's Contributory Negligence Rule and What It Costs Drivers
In most states partial fault reduces your recovery. In North Carolina it can eliminate it. Here is what that means for your coverage decisions.
South Carolina Car Insurance Requirements: What Differs From North Carolina
Different minimums, different uninsured motorist rules, and a different negligence standard. Here is what changes when you cross the line.