If you are a driver in North Carolina, you have likely heard of an FS-1 form. This form is only used in North Carolina, and it is the equivalent of a certificate of insurance in other states.  This form will indicate that you carry the minimum coverage required by law in North Carolina and above.

 

Its Uses

 

The FS-1 Form is used to show that you have coverage when driving your vehicle. It is needed to register a vehicle with the North Carolina Department of Transportation. It must also be used if you are in a car accident or go through an inspection to show your vehicle is properly insured under the requirements of the law.

 

This form can take the place of what’s called a self-certification, in which the insured supplied the name of the insurance company, his or her policy number, and its telephone number to verify the policy. It is issued by a company that is licensed to conduct insurance business in North Carolina. Furthermore, it cannot be used if a policy has been cancelled or has not been renewed, as the law requires the insurance company to notify the Department of Transportation when a cancellation occurs.

 

The Necessary Coverages

 

In order to legally obtain an FS-1 Form, the driver must maintain specific coverages, at a minimum, as required by North Carolina law. These coverages include $30,000 for bodily injury per person, $60,000 bodily injury per vehicle and $25,000 for property damage. The same amounts of coverages, written at 30/60/25 are required for uninsured motorist coverage under the law. Obviously, if your policy goes above and beyond the minimum standard of coverage, the FS-1 will also be issued.

 

If you are in need of car insurance coverage for your automobile, contact the agents at Protective Agency Insurance at 877.739.9367. Upon registration, with at least the minimum necessary coverage, Protective Agency Insurance will issue you an FS-1 Form to help prove you have the coverage required by law for the State of North Carolina.