The 1% Trap: NC Insurance Secrets ⚖️ The 1% Trap: Why NC’s Unique Laws Make Collision a Must-Have! Hey North Carolina! 🖐️ Did you know our beautiful state has a "secret" rule that could leave you paying for a wreck that wasn't even your fault? 🚗 The "Oh No!" Law You Need to Know 🚗 From the Blue Ridge Mountains 🏔️ to the Outer Banks 🏖️, North Carolinians are some of the best drivers around. But we have a very specific law called "Pure Contributory Negligence." In plain English? It’s the 1% Trap . If you are even 1% at fault in an accident, the other person’s insurance might not have to pay you a single penny for your car repairs. 😱 "I...

🚨 NEW LAWS NOW IN EFFECT New NC Traffic Laws Effective Dec. 1: Window Tints, Left Lanes & Your Insurance North Carolina's new traffic laws just changed how drivers interact with police—and could affect your insurance rates. Here's everything NC drivers need to know. Key Changes for NC Drivers 3 New Traffic Laws Now in effect as of December 1, 2025 $10 Fee Eliminated 32% VLT Still Required $238 Potential Fine As of December 1, 2025, North Carolina drivers are now subject to several new traffic laws that change everything from vehicle inspections to how you interact with police during traffic stops. As your local independent insurance agent in Elkin with over 20 years of experience serving Surry County families, I want to make sure you understand these changes—and how t...