NC is an oddity in terms of car insurance and driver’s licenses because the state requires you to have insurance before you get a license. This is a problem for people who don’t own a car, especially those moving into NC from out of state, where the person may have not owned a car or had car insurance. Hedgepeth-Hutson Insurance Services Inc. can help new residents in Nashville, NC, navigate this situation because there are options, and one involves getting a specific type of insurance.

How To Get a License Without a Car

So, you’re moving in from out of state and need to get a NC license. You took public transportation to work in your previous state, didn’t have a car, didn’t have auto insurance, and weren’t planning to get any here. How do you transfer your license, then?

You have two options. One is to go in and get your license anyway, but have the NCDMV add a "fleet restriction." This means you can use your license to drive only company vehicles as part of your work duties. (It doesn’t let you drive company vehicles for fun outside of work.) The other option is to get nonowner liability insurance from an insurance agency in the state. This policy will let you drive cars like when you borrow your friend’s car. Keep in mind, though, that this is just liability insurance, and you won’t have coverage for any other issues should you get into an accident.

If you need help finding nonowner liability insurance, contact Hedgepeth-Hutson Insurance Services Inc., serving Nashville, NC. It may seem like an extra step, but it will help protect you in the long run.