---
type: "Bill"
title: "Lapse in Liability Insurance."
description: "Lapse in Liability Insurance."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2005"
identifier: "SB 881"
citation: "North Carolina SB 881 (2005)"
classification: ["bill"]
subjects: ["ADMINISTRATIVE RULES", "COUNCIL OF STATE", "CRIMES", "DMV", "FINES & PENALTIES", "FISCAL NOTES", "INSURANCE", "INSURANCE DEPT.", "INSURANCE", "LIABILITY", "INSURANCE", "MOTOR VEHICLE", "MOTOR VEHICLES", "NOTIFICATION", "PUBLIC", "PUBLIC OFFICIALS", "RATIFIED", "TITLE CHANGE", "TRANSPORTATION DEPT.", "SEN. GARROU", "LIABILITY", "CHAPTERED", "INSURANCE COMMISSIONER"]
status: "enacted"
primary_sponsors: []
version_count: 9
action_count: 27
vote_count: 2
first_action: "2005-03-22"
last_action: "2006-08-08"
source: "openstates"
source_identifier: "ocd-bill/7ce34e44-1510-4998-ba8c-4b500e991926"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2005&BillID=S881&votesToView=all"
source_hash: "5362791c82ae2fa9767cab7649545028a16e2eb035b9615c6835a1c745e9def6"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-nc"]
---

# North Carolina SB 881 (2005) — Lapse in Liability Insurance.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Filed** (filed) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v1.pdf)
3. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v2.pdf)
4. **Edition 3** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v3.pdf)
5. **Edition 4** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v4.pdf)
6. **Edition 5** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v5.pdf)
7. **Edition 6** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v6.pdf)
8. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v7.pdf)
9. **SL2006-213** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S881v8.pdf)

## Votes

- Third Reading — **102–0** (pass) · lower
- Motion 8\To Concur — **40–1** (pass) · upper

## Sponsors

- Garrou — cosponsor (person)
- Goodall — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2006-08-08** Ch. SL 2006-213 `became-law`
- **2006-08-08** Signed By Gov. 8/8/2006 `executive-signature`
- **2006-07-26** Pres. To Gov. 7/26/2006 `executive-receipt`
- **2006-07-25** Ratified
- **2006-07-21** Concurred In H/com Sub `amendment-passage`
- **2006-07-20** Placed On Cal For 7/21/2006
- **2006-07-20** Rec To Concur H Com Sub
- **2006-07-20** Passed 3rd Reading `passage, reading-3`
- **2006-07-19** Passed 2nd Reading `reading-2`
- **2006-07-19** Amend Adopted #1 `amendment-passage`
- **2006-07-18** Postponed To 7/19/2006
- **2006-07-13** Placed On Cal For 7/17/2006
- **2006-07-13** Cal Pursuant Rule 36(b)
- **2006-07-13** Reptd Fav Com Substitute `committee-passage-favorable`
- **2006-06-26** Re-ref Com On Finance `referral-committee`
- **2006-06-26** Reptd Fav Com Substitute `committee-passage-favorable`
- **2005-08-15** Ref To Com On Insurance `referral-committee`
- **2005-08-15** Rec From Senate
- **2005-08-11** Passed 3rd Reading `passage, reading-3`
- **2005-08-10** Passed 2nd Reading `reading-2`
- **2005-08-09** Com Substitute Adopted
- **2005-08-09** Reptd Fav Com Substitute `committee-passage-favorable`
- **2005-06-29** Re-ref Com On Finance `referral-committee`
- **2005-06-29** Com Substitute Adopted
- **2005-06-29** Reptd Fav Com Substitute `committee-passage-favorable`
- **2005-03-23** Ref To Com On Commerce `referral-committee`
- **2005-03-22** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/7ce34e44-1510-4998-ba8c-4b500e991926`. Confidence: reported (aggregated from official North Carolina legislature records).