Click to Call
Lee Insurance Agency LLC

119 W South Railroad St, PO Box 1212
Four Oaks, NC 27524

Are There Drivers Who Don’t Need Auto Insurance?

At Lee Insurance Agency LLC, we get asked all the time if there isn’t some kind of alternative to car insurance. Many people even wonder if specific drivers don’t have to be insured. In this state, you need to be insured…unless you’re willing to spend more money on an alternative way of keeping your car safe. Here’s what you need to know.

Insurance is Mandatory in North Carolina…Except When…

While North Carolina is one of the 48 states in the nation that requires people to buy car insurance, they are also one of a handful that allows people to purchase bonds instead of an insurance policy. How does this work? Individuals who don’t want insurance pay into a bond provided by a surety company. 

Then, when an individual crashes their car or needs any repairs, they get money directly from this bond instead of an insurance company. However, they must eventually pay back the money in this bond to keep it at a set value. In this state, the minimum amount is $85,000 for uninsured drivers. 

So, while this is a valid and legal option for drivers in this state, it is expensive. And it can affect a person’s credit score. For example, drivers without car insurance may find their score declines, even if they have a surety bond that helps pay for any damage that their car may experience. 

It Is Best to Stay Insured 

While surety bonds may be a good choice for some people, we at Lee Insurance Agency LLC believe that insurance makes more sense. So if you want a policy and would rather not invest in a surety bond instead, please call us today to learn more. Our team will help set you up with a high-value policy that makes sense for your needs. 

Does my auto insurance cover me in a rental car?

Many occasions arise when you are driving a rental car. If you are flying to your vacation destination, you may want to see the sights, which requires renting a car. You may rent a truck to move something or your entire family. You might have a problem with your vehicle and need to get it serviced. While it’s in the shop, you need a rental. Whatever the reason, you will be faced with many questions about insurance and whether or not you want to get the insurance offered by the rental company. At Lee Insurance Agency LLC in North Carolina, we place our customers first, and we are there for you no matter what you need. 

Rental car companies offer a variety of coverages. 

  • Loss/collision damage waiver
  • Supplemental liability coverage
  • Personal accident insurance
  • Personal property coverage

The simple answer to the question, does my auto insurance cover me in a rental car is maybe. It really depends on what type of coverage you have on your auto insurance policy. Whatever you have should cover you the same way when you are in a rental car. If you have liability coverage that you feel comfortable with while driving your own vehicle, it will be just as comfortable in a rental vehicle. So you can skip the supplemental liability insurance. 

If you have full insurance coverage, you are covered for accidents and damage to the vehicle, but it may or may not extend to a rental car. You should call your insurance carrier to verify if your coverage extends to rental vehicles. When in doubt, take the collision damage waiver. 

If you have health insurance, you don’t need personal accident insurance, and if you have a home or renters insurance policy, you don’t need personal property coverage. 

Contact Lee Insurance Agency LLC in North Carolina to discuss all your insurance needs. 

Partner Carriers


  • AAA
  • American Modern
  • ASI
  • Cabrillo Coastal
  • Dairyland
  • Foremost
  • Hagerty
  • JIBNA
  • Kemper
  • MetLife
  • monthly payment plan
  • National General
  • NC Grange
  • Progressive
  • RLI
  • Safeco
  • The Hartford
  • Tower Hill
  • Travelers
  • Universal Property & Casualty
  • UPC
  • Wright Flood