Serious Injury Accidents in NC with Uninsured Drivers
Getting into an auto accident with serious injuries is a frightening occurrence for anyone, but it quickly transitions from frightening to terrifying when you learn that the driver at fault is an uninsured motorist. You might be wondering what happens if the person at fault in an accident has no insurance, how you'll pay for medical bills and lost wages, or who will cover the cost to repair or replace your vehicle. These questions and concerns are normal and expected, and we're here to help. In this blog post, we'll share what you need to know in the event you ever face this unfortunate circumstance - including how to prepare ahead of time, what to do right after the accident if you're able, and who to contact for help during the aftermath.
North Carolina Uninsured Motorist Statute
If you're involved in an accident without insurance in North Carolina, there are several things to consider:
- First, your own Uninsured Motorist Coverage or Underinsured Motorist Coverage will help cover the cost of any injuries sustained in the accident. Reach out to your insurance carrier for help submitting claims and navigating that process. If the other driver was insured but the coverage doesn't cover the cost of medical treatment for all passengers, Underinsured Motorist Coverage can help fill the gap.
- If you have collision coverage on your own policy and the other driver was uninsured, your collision coverage will likely cover the cost of damages your vehicle sustained in the accident.
- Finally, you can sue the uninsured driver for any damages not covered by other means, although collecting any judgment awarded can be challenging if assets are limited.
Uninsured Motorist Coverage North Carolina
If you live in North Carolina, uninsured motorist coverage can help you prevent the unexpected costs associated with a serious injury accident with an uninsured motorist. This additional coverage ensures that if you're involved in a motor vehicle accident with an uninsured driver, bodily injuries that occur to your passengers are covered by your insurance carrier. In North Carolina, every driver is required to carry uninsured and underinsured motorist coverage.
