North Carolina law makes it a misdemeanor to operate a vehicle without insurance. And if you think about that, it makes sense. The state has set a goal of protecting its citizens and the people using its roads from damages caused by accidents. Most people can’t pay out of pocket for damages they cause. Insurance is required to make sure that any damages caused by accidents are able to be covered. Many times, when law enforcement decides a person is at fault for an accident, they will be cited with something like failure to reduce speed or failure to yield. A good defense attorney can help get those charges dismissed or possibly reduced if they can provide a copy of an in-force insurance policy. This also makes sense as it shows the state that the victim of the accident will have their damages covered by the at-fault person.