Amends GS 20-309(a2) concerning motor vehicle liability insurance policy exclusion of coverage for persons receiving foster care in the owner/foster parent's household. Requires the exclusion endorsement to be available to any person who received foster care during the coverage period and provide coverage for the operation by the person receiving foster care of any nonfleet passenger motor vehicle furnished or available to that person for regular use. Prohibits the endorsement from withholding coverage solely because the person in foster care resides in a household with an existing motor vehicle liability policy. Specifies that it is not a violation of Article 13 (the Vehicle Responsibility Act) for an owner to terminate an endorsement if the owner no longer provides foster care for the child. Makes clarifying changes and expands the subsection's notwithstanding clause to include provisions of GS Chapter 58.

Enacts GS 58-36-44A to require the Rate Bureau develop an optional policy form or endorsement to provide named non-owner nonfleet passenger motor vehicle liability coverage for persons receiving foster care that complies with the requirements of GS 20-309, as amended. Requires the form or endorsement to be filed with the Commissioner of Motor Vehicles by October 1, 2026.

Enacts GS 131D-10.9D directing the Department of Health and Human Services (DHHS) to establish a program to provide financial assistance for (1) the purchase of an owner's liability insurance policy issued to a foster parent that includes an endorsement covering a person that receives foster care and resides in the foster parent's household, or (2) a non-owner policy issued to a person receiving foster care that meets the requirements of GS 20-309, as amended, and new GS 58-36-44A. Lists three types of assistance the program must provide including payments or reimbursements of premiums or increased premiums, and coverage of applicable deductibles for claims involving persons receiving foster care, capped at $1,000. Limits eligibility to persons receiving foster care who have completed a drivers education program meeting specified requirements. Directs the Social Services Commission to adopt implementing rules. Effective July 1, 2026.

Appropriates $1 million to DHHS for 2026-27 to implement the act. Effective January 1, 2027.