Before i had allstate and they never even told me that NC requires a proof of residency and they canceled my policy without giving me any notification!!
Now I got USAA and I am on hold with a customer service rep and they have no idea how to send me the thing to submit my utility bill to show proof of residency.
Its SO FRUSTRATING!!
Why is it like this? I have lived in so many states in america and never experienced this before!!
I’ve always had the feeling that NC auto insurance laws were written by insurance company lobbyists.
Vin said:
I’ve always had the feeling that NC auto insurance laws were written by insurance company lobbyists.
Normally I would agree.
In the case of NC however, the auto insurance market is one of, if not the most regulated market in the US.
The insurance companies are mostly lobbying to reduce this bureaucracy in this state and NOT getting their way.
Vin said:
I’ve always had the feeling that NC auto insurance laws were written by insurance company lobbyists.
They said on the news last night that NC is the “#1 state for business” because these businesses have these politicians in their pockets.
Sounds like an issue with USAA. I spent years in the auto industry and had people get insurance over the phone all the time after moving to NC.
Do you have an out-of-state driver’s license and a vehicle still registered in another state?
@Taylor
Did you deal with having to submit proof of residency every six months? Buying insurance is easy, navigating clunky information systems is maddening.
Blake said:
@Taylor
Did you deal with having to submit proof of residency every six months? Buying insurance is easy, navigating clunky information systems is maddening.
I don’t think GEICO has ever asked me for that. I moved here in 2021. Swapped everything over real easily.
@Peyton
GEICO has never asked me either and change of address has been super easy when I move.
AnthonyForumFan said:
@Peyton
GEICO has never asked me either and change of address has been super easy when I move.
Yup, also have geico, also wasn’t questioned about new address, simply that I’d have to start a new policy and pay up front since I’m in a new state. Progressive was the same way.
@Peyton
Per USAA they said it was state law, must provide updated proof every six months. Perhaps it’s how USAA chooses to enforce it, however I’ve been covered by USAA across multiple states and never had to jump through the same hoops as in NC
@Blake
So odd. I looked up the law and didn’t see anything about it needing to happen every 6 months. Maybe their system is outdated or something.
@Blake
I have USAA now in NC and I’ve never heard this. And they were super easy to work with when I moved to NC, but it varies with the customer service rep. (Maybe bc I have my home insurance through USAA they consider that proof of residency?)
@Jules
Same I just told them I moved I think? I also have renters insurance that I got before so yeah that might count.
@Jules
Your property insurance is definitely it
@Taylor
Yeah, this is weird. I uploaded my NC license to Traveler’s website and was done. Only took a few minutes.
I’m so sorry 
I have USAA too, and I have not encountered any issues. You may have gotten a new rep.
I work for an insurance company and also live in NC. You’re most likely being asked for proof of residency if you’ve recently moved to the state or to a new zip code.
Insurers run 3rd party reports to verify the information you put on your quote and will usually run a credit check for a recent address. If the one pulled in the report is a different zip than you entered in the quote, or even worse an out-of-state zip, you will definitely be flagged to send in proof to verify you live where you said you do.
Location plays a big role in rating the policy and it’s not uncommon for people to try to use a false address to get a lower rate. They should be able to provide you with a list of acceptable proof documents that can be sent in to take care of it. It’s an annoyance but usually not a big deal.
@Terryann
What if you don’t have a signed lease, don’t have any utilities in your name, and are just renting a room from someone? I’ve lived in NC for almost 25 years. I am going to be changing addresses soon and won’t have any of those documents. How am I supposed to get insurance?
@Wynter
We accept a recent paystub showing the new address, and federal or state documents that are recent with the new address like social security or disability if you can’t work.
It’s only if it comes up. I’m not sure what the criteria are for flagging it, but not everyone gets flagged to provide proof. The actual percentage of customers that go through additional verification is pretty small.
In NC everyone is assumed to be a criminal. Especially if y’all aren’t from round cheer.