Driving without insurance in North Carolina is illegal. However, it happens more often than you’d think. Nearly seven percent (7 %) of North Carolina drivers get behind the wheel without insurance. If you’ve been hit by an uninsured driver, or a driver whose policy isn’t enough to cover your damages, Attorney Anthony Burts may be able to help.
Liability insurance in North Carolina
Liability insurance protects you if you’re hit by another driver. It will cover any bodily injuries you sustain, as well as any damage to your car or other property. Liability insurance is required in most states, including North Carolina. As of 2020, the state minimum was $30,000.00.
Uninsured motorists insurance in North Carolina
If another driver’s liability coverage or lack of coverage isn’t able to cover your losses, uninsured motorist insurance may be able to help. In North Carolina, all drivers are required to carry uninsured motorist insurance. As of 2020, the state minimums are $25,000.00.
What happens if you are in an accident with an uninsured driver?
If you find yourself involved in a car accident and the uninsured driver of another vehicle is at fault, you may have no option other than filing a claim under the uninsured motorist provisions in your insurance policy. All auto insurance policies that insurance companies issue in North Carolina must include uninsured motorist (UM) coverage.
Your uninsured motorist claim will work much like the way your case would be handled if the other driver did have insurance coverage. First and most importantly, you must seek medical treatment and avoid gaps in your medical treatment. You also need to communicate with your doctor about what in the treatment plan is working and what is not working. Remember, the primary focus is ensuring that you regain your health and strength.
After you finish treatment, your attorney will collect all of your medical records and bills related to the collision and include them with a settlement demand package to your insurance company in an effort to settle your case. Lawyers generally detail the accident, your injuries, symptoms, medical bills, loss wages, and pain and suffering in a demand package. Your insurance company will evaluate the claim and make an offer based upon their analysis. With uninsured motorist claims, the only difference is that it is your own insurance paying you a settlement.
Our personal injury lawyer can help with your uninsured motorist claim
The fact that the driver that caused your accident did not have valid insurance on his/her vehicle does not mean that your rights to recovery are gone. You should seek the advice of a car accident attorney in order to adequately protect your rights. If you were in an accident with an uninsured driver, contact our Charlotte and Hickory personal injury attorney today at (888) 314-7127. Our office handles car accident cases throughout North Carolina, South Carolina, and New York.