What to do about insurance lapsing and DMV demanding plates?

Question

I'm a college student and I can't really afford car insurance with loans and other daily things in life. My insurance recently lapsed last montha and I canceled it. The DMV sent me a nasty letter saying they are charging me a 50$ civil fee and that I must give them my plates for 30 days and I will incur more monetary charges if I do continue to have no insurance. My parents work a a minimum wage job and they can't help me. My premium is like 1200$ for 6 months. So that's 200$ a month. I can't afford that. Any options here?

The state is North Carolina.

Answer 1

i thought so,,my wife is from there,and that's the law there they will come to your house and take them if necessary,,there to strict on the laws there.and she said its always been like this there,we live in Tennessee,and its not that bad here yet,but there talking about doing the same here also,,in one way its good ,and in other ways it isn't,,but when i seen that i knew it had to be north Carolina,,but its the law there,as for options i don't know of any in this situation,the insurance there is way too high it should be lower considering everyone has to have it,,its not a law here yet that you cant get your plates without it,,but its headed that way also.all i can say is check around for cheaper insurance,,good luck hope this help,s.,happy new years.

Answer 2

You have three options ONLY:

1. Turn in the tags and stop driving the car. Do NOT park it on a public road or access way or it will be impounded.

2. Get insured.

3. Sell the car.

Sorry, but you'll get no sympathy from me on this. There is no acceptable excuse for driving without insurance. If you can't afford it, you simply cannot afford to own a car right now.

Answer 3

Either sell the car, trade it in for an older model or give it back to the lienholder.

If you can't afford the insurance with the loans, then get rid of it.