The coastland times. [volume] (Mnateo [i.e. Manteo], N.C.) 1947-1959, 1957-11-29
Questions and Answers Concerning
1853 Vehicle Responsibility Act

> IL e. l
QUESTION:: Must every North Carolina automobile
have liability insurance to his 1858
license plate?
ANSWER: Almost every will have to take out auto
mobile liability insurance. The only exceptions
those willing and able post $1,000
cash $4,000 surety bond, the operators
of fleets of Is or more vehicles, and Federal,
state and local government vehicles
QUESTION: Is my insurance policy all need when go
to get my license plate?
ANSWER: Absolutely not! When you buy your license
plate the counter, when you write
for it. you do not need the policy but you
MUST have your Form FISH," Without the
form you can't get your license
QUESTION: What is this Form FS-1?
ANSWER Form FS-1 canary yellow colored certif-
cate of nsurance-31s" 6" in size-which is
issued the liability insurance pOlicyholder by
his insurance company
QUESTION: When will receive my Form FISH,?
ANSWER: Insurance companies supposed to mail
these certificates to their pocyholders in
North Carolina before January 1. If you al
ready carry insurance and do not receive
your certificate by the end of the year, write
for it. If you buy policy just before pur-
chasing your license plate, make the
company furnishes you with the certificate.
QUESTION: What kind of insurance is required?
ANSWER: An owners liability policy which provides in
surance for damages to persons prop
erty caused by your motor vehicle and for
which you are legally obligated to pay Col
lson and comprehensive insurance, covering
damage to your vehicle, does meet
the requirement of the law.
QUESTION: How much insurance is required?
ANSWER: The minimum policy provides $4,000 damage
for the bodily injury death of one person.
$4,000 for the bodily injury or death of two
or more persons, and $4,000 for damage to
property.
QUESTION: Where can such insurance be obtained?
ANSWER: Through insurance companies and insurance
agents licensed to do business in North Caro-
lima. you do not have insurance you should
make your own arrangements Immediately
as it will take time for insurance COM
panies to process applications.
QUESTION: Can every automobile owner buy this insur
ance?
ANSWER: Yes There is special part of the new law
called "the assigned risk plan" which makes
it possible for those hitherto unable to obtain
liability insurance to get it after January l.
QUESTION: How much will it cost?
ANSWER: The cost of your policy depends upon a num-
Der of things, including your driving record
the number and ages Of the people who drive
your car, your place of residence and your
occupation. For those with bad accident
record who must secure their insurance under
the assigned risk plan, the cost will be more
than the cost to drivers with safe records.
QUESTION: What happens my insurance lapses or is
cancelled?
ANSWER: If there is lapse in your insurance by
collation. of your policy your failure to
it. the law says ~ that the insurance
company must notify the State Department
of Motor Vehicles and (2) you must mme-
diatey surrender your motor vehicle license
plate and registration certificate.
QUESTION: Is there any notice of cancellation?
ANSWER: Yes your insurance company must give ff-
teen days notice of termination of your pol
icy. The company also must notify the De-
partment of Motor Vehicles if your policy is
terminated for any whatsoever. You
then must purchase insurance sur
render your license plate. If you DON'T they
will be seized and you will be held in viola
ton of the law.
QUESTION: What about used car for which 1858 plate
has been issued?
ANSWER: The purchaser cannot legally operate it or
retain the plate unless he obtains certif-
cate of insurance (FS-1) otherwise COM
plies with the law. The Form FISH, must be
presented with the application for the trans
fer of the license and unless this is done the
license plate must be surrendered.
QUESTION: What penalties does the law provide?
ANSWER: Those violating the law will be prosecuted in
the courts The violation includes failure
to surrender a license plate which has been
revoked. classification of any documents in
connection with the law subjects one to Sc
penalties
QUESTION: Are all motor vehicles required to be covered?
ANSWER Yes. All self-propeled vehicles subject