The NC MVR-615 form, administered by the North Carolina Division of Motor Vehicles, serves as an Eligible Risk Statement for Registration and Certificate of Title, substantiating a claimant's qualification for insurance coverage under the criteria specified in G.S. 58-37-1(4a). It encompasses a range of qualifications, including residency status, vehicle registration locale, and specific affiliations with the state such as military service or educational pursuits, thereby ascertaining an applicant’s eligibility for automobile insurance for non-fleet private passenger vehicles. To ensure compliance and facilitate registration or title processes in North Carolina, filling out this form accurately is imperative.
For those seeking to validate their insurance eligibility or needing to comply with state mandates regarding vehicle registration and title, click the button below to fill out the NC MVR-615 form efficiently and accurately.
In North Carolina, the process of registering a vehicle and obtaining a certificate of title involves certain legal and regulatory steps, one of which includes establishing the eligibility for insurance coverage. The North Carolina Division of Motor Vehicles (NC DMV) requires the completion of the MVR-615 form, known as the Eligible Risk Statement for Registration and Certificate of Title, to affirm an individual’s qualification under specific criteria outlined by the state. The form caters to a range of individuals from residents with a valid driver license, vehicle owners, those required by law to prove financial responsibility, nonresidents who have vehicles principally garaged in the state, members of the United States armed forces and their spouses, out-of-state students, to governmental agencies within North Carolina. Moreover, it clarifies the definition of a “non-fleet private passenger motor vehicle,” emphasizing the importance of the true and accurate declaration of eligibility. By doing so, it prevents potential legal consequences that may arise from providing false information. This requirement plays a crucial role in ensuring that all vehicles registered and operated in the state meet the insurance prerequisites, thereby safeguarding the interests of the vehicle owners, other road users, and the insurance system at large.
MVR-615(Rev 8/08)
North Carolina Division of Motor Vehicles
Eligible Risk Statement for Registration and Certificate of Title
I/we_____________________________________________________________ am/are an eligible risk for insurance coverage as defined in G.S. 58-37-
1(4a) because I am:
(Check at least one or more of the following that apply)
□1. A resident of North Carolina and have a valid driver license issued by the State of North Carolina.
□2. A resident of North Carolina who owns a motor vehicle registered or principally garaged in North Carolina. (“Principally garaged” means that the vehicle is garaged for six or more months of the current or preceding year on property in this State which is owned, leased, or otherwise lawfully occupied by you as the owner of the vehicle.)
□3. A person required to file proof of financial responsibility under Article 9A or 13 of Chapter 20 of the General Statutes in order to register a vehicle or to obtain a driver license in this State.
□4. A nonresident of this State and own a motor vehicle registered and principally garaged in North Carolina. (See Item 2 above for definition of “principally garaged”.)
□5. A nonresident of North Carolina and meet one of the following:
1)A member of the United States armed forces stationed in this State or deployed outside this State from a home base in this State who intends to return to his or her home state;
2)The spouse of a nonresident member of the United States armed forces stationed or deployed outside this State from a home base in this State who intends to return to his or her home state; or,
3)An out-of-state student who intends to return to his or her home state upon completion of his or her time as a student enrolled in school in this State; or
□6. The State of North Carolina and its agencies and cities, counties, towns, and municipal corporations in this State and their agencies.
I understand that providing incorrect or false and misleading information as to my status as an eligible risk can result in criminal prosecution and the denial of insurance coverage for any loss under any insurance policies for which application is made if I provide false and misleading information as to eligible risk status.
I will inform the insurer before the next policy renewal if I cease to be an “eligible risk” as defined in G.S. 58-37-1(4a).
_____________________________________________________________________________________________________
Signature of owner(s)
Date
Definition of Non-Fleet Private Passenger Vehicle as defined in G.S. 58-40-10
(Note, the vehicle must meet both definitions below to be a “non-fleet private passenger vehicle”)
“Private Passenger Motor Vehicle” means one of the following:
●A motor vehicle of the private passenger or station wagon type that is owned or hired under a long term contract to the insured and is not used for public transportation or rented to others.
●A pick up truck or van that is owned by an individual, or by a husband and wife, or individuals who are residents of the same household and has a gross vehicle weight (GVW) as specified by the manufacturer of less than 10,000 pounds and is not used for the delivery or transportation of goods or materials, unless the delivery or transportation of goods and material is:
(a)Incidental to the insured’s business of installing, maintaining, repairing furnishings or equipment; or
(b)For farming or ranching.
●A motorcycle, motorized scooter or other similar motorized vehicle not used for commercial purposes.
“Non-fleet” motor vehicle means:
A motor vehicle not eligible for classification as a fleet vehicle for the reason that the motor vehicle is one of four or fewer motor vehicles hired under a long-term contract or owned by the insured named in the policy.
Definition of “Eligible Risk” - “Eligible Risk” means that you may legally obtain automobile insurance for a “non-fleet private passenger motor vehicle in the state of North Carolina because at least one of the above classifications applies to you. It does not mean that you currently have automobile insurance.
IMPORTANT NOTE - YOU SHALL NOT BE DEEMED AN ELIGIBLE RISK if timely payment or premium is not tendered or if there is a valid unsatisfied judgment of record against you for recovery of amounts due for motor vehicle insurance premiums and you have not been discharged from paying the judgment or if you do not furnish the information necessary to effect insurance.
Completing the NC MVR-615 form is a crucial step for individuals seeking to affirm their eligibility for insurance coverage as defined under specific North Carolina statutes. This document serves to verify that the applicant meets the necessary criteria to be considered an "eligible risk" for insurance purposes. The form requires accurate and truthful information regarding the applicant's residency, vehicle registration, and other conditions that affect insurance eligibility. Here are the step-by-step instructions to ensure the form is filled out correctly:
After completing the form, ensure that you have reviewed all information for accuracy to avoid any potential legal ramifications or denial of insurance coverage. Keep a copy of the completed form for your records before submitting it to the relevant North Carolina Division of Motor Vehicles office or insurance provider. This step is pivotal in ensuring your vehicle is properly registered and eligible for insurance coverage under North Carolina law.
What is the Nc MVR 615 form?
The Nc MVR 615 form, issued by the North Carolina Division of Motor Vehicles, is an Eligible Risk Statement for Registration and Certificate of Title. It declares that the signatory is an eligible risk for insurance coverage as per the criteria laid out in the guidelines of G.S. 58-37-1(4a). This includes various eligibility criteria related to residency, vehicle registration, and other specific conditions.
Who needs to complete the Nc MVR 615 form?
This form must be completed by individuals seeking to register a vehicle or obtain a certificate of title in North Carolina, who need to assert their insurance eligibility status. This includes residents, non-residents under certain conditions, individuals required to file proof of financial responsibility, members of the U.S. armed forces and their spouses, out-of-state students, and state or municipal agencies.
How do I know if I am an "eligible risk"?
You are considered an "eligible risk" if you meet at least one of the criteria detailed in the form. This may include being a North Carolina resident with a valid driver license, owning a vehicle that is registered or principally garaged in the state, having certain ties to the military, or being a student from out-of-state enrolled in a school within North Carolina, among others.
What happens if I provide false information on the MVR 615 form?
Providing incorrect, false, or misleading information regarding your status as an eligible risk can lead to criminal prosecution and the denial of insurance coverage for any loss under insurance policies applied for with false information. Therefore, it's crucial to provide accurate and truthful information when completing this form.
What does "principally garaged" mean?
"Principally garaged" refers to a vehicle that is parked or stored for six or more months of the current or preceding year on property in North Carolina that is owned, leased, or lawfully occupied by the vehicle's owner. This term is crucial in determining the eligibility of certain vehicles for insurance purposes.
Can non-residents of North Carolina complete this form?
Yes, non-residents can complete this form if they own a vehicle registered and principally garaged in North Carolina, or if they meet specific eligibility criteria related to military service or student status as outlined in the form.
What is the definition of a "non-fleet private passenger vehicle"?
A "non-fleet private passenger vehicle" is defined as a vehicle that falls within certain categories, including private passenger or station wagon types owned or hired under a long-term contract, pickup trucks or vans with specific ownership and usage criteria, and motorcycles or similar vehicles not used for commercial purposes. The vehicle must not be eligible for classification as a fleet vehicle, meaning it is one of four or fewer vehicles hired or owned as specified in the policy.
What should I do if my eligibility status changes?
If your status as an "eligible risk" changes, you are required to inform the insurer before the next policy renewal. This ensures that your insurance coverage remains accurate and up to date according to your current circumstances.
Filling out the NC MVR 615 form correctly is crucial for individuals seeking registration and certificate of title under the "Eligible Risk" criteria as defined by the North Carolina Division of Motor Vehicles. However, mistakes can often occur. One common error is not checking at least one box to indicate eligibility status. This form requires the applicant to identify their qualification for insurance coverage, and overlooking this section can lead to the rejection of the application.
Another frequent mistake involves providing inaccurate information regarding residency or vehicle location. The form distinctly categorizes individuals based on residency and the location where the vehicle is principally garaged. Misunderstanding or misrepresenting this information can result in criminal prosecution, as the form warns against submitting false or misleading details. Furthermore, non-residents often err by not correctly identifying their status and the specific criterion that makes them eligible, such as being a member of the armed forces stationed in North Carolina.
Additionally, applicants sometimes fail to fully comprehend the definitions provided at the bottom of the form, specifically regarding what constitutes a "non-fleet private passenger vehicle." This misunderstanding can lead to incorrect assertions about the eligibility of the vehicle in question. For vehicles like pick-up trucks or vans owned by residents of the same household, the details around the use of the vehicle for the delivery or transportation of goods and materials can complicate eligibility.
One critical oversight is not signing the form or dating it incorrectly. Such an omission directly impacts the form's validity, as the signature verifies the owner's acknowledgment of risk eligibility and the veracity of the information provided. Ignoring the cautionary note about being deemed ineligible for insurance coverage due to failure in timely premium payment, unsatisfied judgments, or insufficient information also constitutes a significant mistake. Applicants must accurately furnish all required information to ensure they meet the criteria for being an “Eligible Risk.”
Furthermore, applicants often miss the instruction to inform the insurer before the next policy renewal if they cease to be an “eligible risk.” This oversight can lead to complications and potential denial of insurance coverage for any loss. The NC MVR 615 form mandates full compliance with its instructions for a successful application process. Paying close attention to detail and thoroughly understanding each section of this form can help avoid these common mistakes.
When completing the NC MVR-615 form, individuals often need to provide additional forms and documents to support their eligibility for insurance coverage under the definitions provided by North Carolina law. This supplemental paperwork helps clarify an individual's status and ensures the accuracy of the information provided in the MVR-615 form. Below is a list of up to five forms and documents commonly used alongside the NC MVR-615 form, each described briefly to highlight its purpose and importance in the registration and insurance process.
These documents, used in conjunction with the NC MVR-615 form, play a crucial role in the vehicle registration and titling process, ensuring that all individuals comply with North Carolina's insurance eligibility standards. Furnishing accurate and comprehensive documentation streamlines the process, facilitating a smoother transaction with the North Carolina Division of Motor Vehicles.
The North Carolina MVR-615 form shares similarities with the SR-22 form, often required after certain traffic violations. Both documents serve as proof of an individual's eligibility for insurance under specific conditions. The SR-22, required by certain states, verifies that a driver has the minimum insurance coverage required by law following offenses such as DUIs or reckless driving. Like the MVR-615, it is directly related to maintaining or reinstating driving privileges and vehicle registration by demonstrating insurance compliance.
Another document related to the MVR-615 is the FS-1 form, which is specific to North Carolina and provides proof of insurance to the state's Division of Motor Vehicles (DMV). Similarly, the MVR-615 form is used in situations requiring proof that an individual qualifies for insurance coverage. Both forms are integral to the vehicle registration process, ensuring that owners carry the necessary insurance as mandated by state laws.
The FR-44 form, like the MVR-615, is another insurance-related document imposed by certain states following serious traffic violations. It is similar to the MVR-615 in that it is used to verify an individual's insurance coverage but differs in that it typically requires higher liability limits. Both documents are tools used by the state to ensure that drivers who pose a higher risk maintain adequate insurance coverage for the protection of all road users.
Lastly, the Proof of Insurance Card, issued by insurance companies, complements the MVR-615 form. While the MVR-615 form verifies eligibility for insurance registration based on statutory criteria, the insurance card provides proof of an active insurance policy. Both are necessary for vehicle registration and in compliance checks by law enforcement, ensuring drivers meet state insurance requirements.
When completing the NC MVR-615 form, there are certain dos and don'ts to ensure the process goes smoothly and accurately. Here's what you need to keep in mind:
Following these guidelines will help ensure that your NC MVR-615 form is filled out correctly and your insurance requirements are met in compliance with the law.
There are several misconceptions about the NC MVR 615 form, which is crucial for obtaining vehicle registration and a certificate of title in North Carolina under specific conditions. Understanding these misconceptions can help ensure compliance with state regulations and streamline the application process.
It's only for North Carolina residents. While the form is primarily designed for residents, nonresidents who meet certain criteria, such as owning a vehicle registered and principally garaged in the state, are also eligible.
Insurance coverage is not a factor. The form clearly stipulates that being an "eligible risk" involves specific insurance-related qualifications, contrary to the belief that insurance doesn't play a role in the eligibility.
Submission guarantees approval. Completing and submitting the NC MVR 615 form does not guarantee registration or title approval. Incorrect, false, or misleading information can lead to criminal prosecution and denial of insurance coverage.
It applies to all types of vehicles. The form is specific to "non-fleet private passenger vehicles," which includes cars, pickup trucks, vans with certain restrictions, and motorcycles, but not commercial or fleet vehicles.
It's a one-time certification. The signer must inform the insurer before the next policy renewal if they cease to be an "eligible risk" as defined in the specifications, indicating a requirement for periodic certification.
Military personnel are automatically ineligible. Military members stationed in North Carolina or deployed from a home base in the state, and their spouses, are indeed eligible under certain conditions, contrary to what some might believe.
Understanding these points can assist individuals in accurately completing the NC MVR 615 form, ensuring they meet the criteria for registering and titling their vehicle in North Carolina.
Filling out the NC MVR 615 form is an essential step for individuals in North Carolina seeking to register their vehicle and certify that they are an eligible risk for insurance coverage. Here are five key takeaways about this process:
By understanding these key aspects of the NC MVR 615 form, individuals can navigate the insurance eligibility process with greater ease and confidence, ensuring they meet the necessary criteria to successfully register and insure their vehicle in North Carolina.
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