In North Carolina, there's a group of drivers that insurance companies watch closely, called "nonstandard drivers." This doesn't mean they're bad drivers. It's just a way for insurance folks to talk about drivers they think are more likely to get into accidents or have problems on the road.
Here's what might make you a "nonstandard" driver:
Lots of Traffic Tickets: If you've got a bunch of tickets, insurance people might think you're a risky driver.
Accidents: If you've been in accidents, it's like a stain on your driving record, and insurance companies take notice.
New to Driving: If you're new behind the wheel, you might be in this group until you've been driving safely for a while.
Credit Score: In North Carolina, if your credit isn't great, it could affect your insurance.
Fast Cars: If you've got a really fast car, insurers might think you like to speed.
No Insurance: If you've gone some time without car insurance, that's a red flag for insurers.
DUI/DWI: Driving after drinking is a big no-no and will likely make you a nonstandard driver.
If you're labeled nonstandard, don't worry. It's not forever. Think of it as a temporary stop. You can get special insurance and, with safe driving over time, you can shake off that label.
In the end, even if you're a nonstandard driver, it's just a part of your driving story. With the right insurance and safe driving, you'll be just fine. In North Carolina, every driver has their own path, and we're all just traveling it one turn after another.
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