Requisitos de seguro para obtener o renovar licencia en Carolina del Norte

Explicación Simple

Para obtener o renovar tu licencia de conducir en Carolina del Norte, necesitas demostrar que tienes un seguro que cubre accidentes. Esto significa que si chocas con alguien, tu seguro pagará los daños y también protege a tus empleados si eres un 'movedor de casas' profesional.

Es como tener una buena red de seguridad cuando practicas un deporte. Si te caes o te lastimas, la red te protege y evita que te hagas más daño. El seguro hace lo mismo para los conductores.

Ejemplo Práctico

Imagina que Juan quiere renovar su licencia de conducir. Antes de hacerlo, debe presentar un certificado de seguro que demuestre que está cubierto por daños a otras personas y propiedades. Si no lo hace, no podrá conducir legalmente en Carolina del Norte.

Texto Original del Estatuto (Inglés)

§ 20-359.1. Insurance requirements. (a) No license shall be issued or renewed pursuant to this Article unless the applicant files with the Department a certificate or certificates of insurance, from an insurance company or companies authorized to do business in this State, providing: (1) Motor vehicle insurance for bodily injury to or death of one or more persons in any one accident and for injury to or destruction of property of others in any one accident with minimum coverage of three hundred fifty thousand dollars ($350,000) combined single limit of liability; (2) Comprehensive general liability insurance with a minimum coverage of three hundred fifty thousand dollars ($350,000) combined single limit of liability, including coverage of operations on North Carolina streets and highways that are not covered by motor vehicle insurance; and (3) Workers' compensation insurance that complies with Chapter 97 for all employees if the person is licensed as a professional housemover. The exemptions in G.S. 97-13 from the provisions of Chapter 97 shall not apply to licensed professional housemovers. (b) The certificate or certificates shall provide for continuous coverage during the effective period of the license issued pursuant to this Article. At the time the certificate is filed, the applicant shall also file with the Department a current list of all motor vehicles covered by the certificate. The applicant shall file amendments to the list within 15 days of any changes.