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Uninsured/Underinsured Motorists

Charlotte Uninsured/Underinsured Motorist Attorneys

Millions Recovered for Injured Clients

After an accident caused by a negligent driver, many individuals may assume that their injuries and damages can easily be covered by the at-fault driver’s insurance, as North Carolina state law requires that all drivers must carry liability insurance. Unfortunately, there are instances in which drivers who cause car accidents don’t carry enough coverage – or have no insurance at all. In the event of a car accident caused by a driver with insufficient insurance coverage, you may be wondering how you can pay for your medical treatment, car repairs, and more. Fortunately, our Charlotte uninsured/underinsured motorist attorneys have the answers you need. Dewey, Ramsay & Hunt, P.A. has helped countless clients file claims with their own insurance companies and can secure a fair settlement for you. We can communicate with your insurance company and assess your existing policy to ensure that your claim isn’t undermined or wrongly denied. Our law firm puts our clients and their rights to compensation first in all that we do.

What is the Difference Between Uninsured & Underinsured Motorist Coverage?

North Carolina statutory law requires every driver in the state to have uninsured motorist and underinsured motorist coverage, so if you’ve been injured in an accident caused by a driver that is unable to cover your damages, there’s a good chance that you can file a claim with your own company.

Uninsured motorist (UM) coverage offers protection to individuals who have been injured by uninsured drivers, while underinsured motorist (UIM) coverage is for those who have been injured by a driver whose limits of liability are less than your UIM coverage limits, and are not enough to cover your losses.

Uninsured motorist coverage policies cover bodily injury and property damage and can cover not only the owner of the vehicle but also the family members and any passengers in the vehicle. The amount your coverage pays depends on the liability policy you have. For example, if you have a common $30,000/$60,000 liability policy, which comes out to $30,000 per person and $60,000 per accident, then your uninsured motorist coverage has the same limits.

If you’re unsure how much your UM or UIM policies cover, it’s best to contact a personal injury attorney, who can look at your policy and determine the maximum amount you can recover after an accident.

What Happens If I Am Hit by an Uninsured or Underinsured Driver?

The amount you can collect from your policy after a car accident will also depend on the type of crash that occurred, and the driver involved. Our team has handled countless accidents that have been caused by drivers who lack insurance and have helped our clients obtain compensation regardless. You shouldn’t have to be punished for the mistakes of another party – especially when you’ve already been injured.

Some common scenarios we’ve encountered include:

  • At-fault driver has no insurance: Our attorneys can help you file a UM claim to collect compensation up to your policy limits. Some individuals are worried that filing a claim will affect their insurance premiums, but typically these premiums don’t increase for claims where you didn’t contribute to the accident.
  • At-fault driver has minimal insurance: Individuals injured by a driver who doesn’t have enough coverage can only claim the difference between the total amount the driver’s insurance paid and your policy limits. Thus, you can’t collect any more total compensation than your own policy limits.
  • At-fault driver drove away (hit and run accident): If you’re injured by a driver who flees the scene of an accident in what is known as a hit and run accident, you should call the authorities to search and identify the driver. If the driver is found, in addition to criminal charges you can file an insurance claim with their provider. If the driver can’t be located, you can still file an uninsured motorist claim.

Getting your medical bills, lost wages, pain and suffering, and property damage covered by insurance can be tricky in situations where at-fault drivers can’t be identified or don’t have enough coverage, which is why having an attorney to stand by your side is crucial. Our team has more than three decades of collective experience and is aggressive when it comes to defending your rights to compensation.

Don’t worry if you’ve been injured by an uninsured or underinsured motorist in Charlotte – you have options. Call our attorneys to seek the maximum amount of compensation you deserve at (704) 490-4023.

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