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Old 01-29-2013, 10:46 AM
 
3,185 posts, read 5,760,296 times
Reputation: 1818

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Quote:
Originally Posted by cc0789 View Post
You can't apply for your license without insurance- Yes, you can. You just get a license with a restriction that only allows you to drive fleet vehicles, such as your rental vehicle.
you can't get insurance without a car- of course you can, you obviously did not make enough phone calls, its a simple non owned auto policy.

What I do think is rediculous, is that as a foreign driver, you have to pay inexperience driver surcharge, because your driving experience in a different country doesn't count. So you are paying the same as 16 year olds, even though you might have decades of experience.

What kind of agent allowed you to insure a car that you do not own?? A car needs to be titled in your name for you to be able to insure it..... having an "insurable interest" is a basic legal requirement before you can obtain insurance.

You are obviously not understanding the point. You don't simply pay $10 more to remove a restriction. You need to:
-**AQUIRE LIABILITY INSURANCE**
-Get a DL-123 form as proof of your new liability insurance from your agent
-Ask someone to drive you to DMV
-Open their front door
-Stand in line
-Show them your documentation
-Pay $10 for them to print you a new drivers license without the restriction

Saying you just have to pay $10 to remove that restriction is like saying you just have to stand in line to remove that restriction.... you are missing several other, much more pertinent, steps.
Well said. You made it very easy to understand.."you got to have insurance period"
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Old 01-29-2013, 10:49 AM
 
3,914 posts, read 3,942,097 times
Reputation: 1272
Quote:
Originally Posted by cc0789 View Post
....
Saying you just have to pay $10 to remove that restriction is like saying you just have to stand in line to remove that restriction.... you are missing several other, much more pertinent, steps.
If you have liability insurance from your insurance agent, then why do you need to go through ANY special procedures? You would apply just like anyone else.

Edit: This made me curious so I went to the NC General Statues. It says this if you don't own a vehicle and want an unrestricted license. From Chapter 20 Uniform Driver's License Act 20‑7.C1.2
"A binder for or policy of nonfleet private passenger motor vehicle liability insurance under which the applicant is insured, provided that the binder or policy states the effective date and expiration date of the nonfleet private passenger motor vehicle liability policy."
This would be all that you need.

Last edited by frewroad; 01-29-2013 at 11:03 AM..
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Old 01-29-2013, 11:55 AM
 
5,150 posts, read 6,640,110 times
Reputation: 1438
Quote:
Originally Posted by frewroad View Post
I was referring to this. Literally it means, you can get an insurance exemption that allows you to drive Fleet Vehicles Only with no insurance. If you pay $10 more, then you can remove that restriction. Hence you end up with an insurance exemption that allows you to drive any vehicle.

I see nothing here that supports the other claims made above.
No. There is no exemption unless you are saying that the handbook is wrong when it says you ALSO have to submit DL-123.
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Old 01-29-2013, 12:38 PM
 
1,226 posts, read 2,049,763 times
Reputation: 1863
Quote:
Originally Posted by frewroad View Post
If you have liability insurance from your insurance agent, then why do you need to go through ANY special procedures? You would apply just like anyone else.

Edit: This made me curious so I went to the NC General Statues. It says this if you don't own a vehicle and want an unrestricted license. From Chapter 20 Uniform Driver's License Act 20‑7.C1.2
"A binder for or policy of nonfleet private passenger motor vehicle liability insurance under which the applicant is insured, provided that the binder or policy states the effective date and expiration date of the nonfleet private passenger motor vehicle liability policy."
This would be all that you need.
if you have liability insurance from an agent (either on your owned car, or a non-owned auto policy), you wouldn't need to go through ANY special procedures, other than showing your proof. You would get a regular drivers license.

"A binder for or policy of nonfleet private passenger motor vehicle liability insurance under which the applicant is insured, provided that the binder or policy states the effective date and expiration date of the nonfleet private passenger motor vehicle liability policy." = NON-OWNERS INSURANCE
End of story.


The special procedures come in if you DONT have liability insurance... hence the restricted license, and then the fee AT A LATER DATE, once you show your liability insurance (either on an owned auto or a non-owned auto policy.. see "-**AQUIRE LIABILITY INSURANCE**" referenced in the post above), to remove the restriction,
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