You can recover damages from an uninsured driver in North Carolina, but you likely will have to do it through your uninsured motorist (UM) coverage. Many people feel lost when they learn the other driver has no insurance. UM coverage exists for this exact situation.
It can help pay for medical care, lost income, and repairs. It can also support families who are dealing with long-term injuries or a fatal crash. An uninsured car accident lawyer in Charlotte from our firm will guide you through this process.
The steps for recovering damages in these types of crashes are clear once someone explains how these claims work in North Carolina. We will explain your choices in clear terms and protect your rights while you focus on getting better.
How Our Lawyer Helps After a Crash With an Uninsured Driver
We step in when the at-fault driver has no insurance, and you need another way to seek damages. Your UM coverage acts as if the other driver has liability insurance. The rules can feel confusing, so legal support helps smooth the path forward.
Here are the main ways our car accident lawyer in Charlotte from our firm helps clients in this situation:
Explain Your Coverage
Many drivers do not know how uninsured motorist coverage works or how much they carry. We will look at your policy, confirm your UM coverage, and explain which benefits apply.
Build a Strong Injury Claim
Our legal team gathers the facts, documents your injuries, and shows how the crash changed your life. They prepare the claim with the evidence your insurance company requires.
Lead Talks With the Insurance Company
Insurance carriers can push for fast and low settlements in these cases. We will speak on your behalf to ensure the insurer understands the true cost of the crash and how it affected you.
Seek Damages for All Crash-Related Losses
We will review the harm you suffered and outline the amount you should pursue. We then use that information to build a strong claim for your UM benefits.
File Your Injury Lawsuit on Time
Most UM claims settle through negotiation. However, if the insurance company refuses to pay your claim, we can take the case to court.
North Carolina has strict filing deadlines for lawsuits. The state gives most people three years to file a personal injury lawsuit under G.S. § 1-52. We will prepare your lawsuit on time (if we have to file one) and make sure your case moves ahead as it should.
For a free legal consultation, call (877) 333-1000
What Is Uninsured Motorist (UM) Coverage?
UM coverage is part of your North Carolina auto policy. State law requires drivers to carry it. This coverage steps in when the driver who hurt you has no insurance or cannot be found, such as in a hit-and-run.
UM coverage applies when:
- The at-fault driver carries no liability insurance.
- The driver flees the scene.
- The driver gives false insurance information.
- The policy they have does not meet North Carolina’s minimum limits.
You pay for this coverage with your own policy, so you have the right to use it when needed.
What Damages Can UM Coverage Help Pay for From a Crash?
UM coverage can help cover many of the same losses that a regular liability claim would cover. These include:
- Medical costs: Your policy may help pay for emergency room visits, surgery, imaging, physical therapy, medications, and future care needs.
- Lost income: You may miss work while healing from the crash. UM insurance can help replace the income you’ve lost.
- Pain and suffering: Injuries can bring on physical pain and emotional distress. UM coverage can help with these losses.
- Permanent injuries from the crash: Some injuries last a lifetime. A UM claim can include long-term medical needs or disability-related losses.
- Wrongful death damages: Families can pursue damages for funeral and burial costs, loss of income, and the loss of a loved one’s support.
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What Happens When Your UM Coverage Limits Are Low?
We will review all possible sources of recovery. You may have:
- UM coverage from another car in your household.
- MedPay coverage that helps with medical bills.
- A possible claim against another party involved in the crash.
Our attorney will look for every path to damages so you can keep moving toward recovery.
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What If the Driver Who Hit You in North Carolina Denies Fault?
When a driver has no insurance, they may try to avoid blame. We will review the evidence in your case, which could include:
- Crash photos
- Witness statements
- Police reports
- Medical records
- Traffic camera or security video
Clear proof of fault will help your claim move forward through UM coverage.
What If the Uninsured Driver Was Working at the Time?
If the driver acted within the scope of their job, their employer might be responsible for the crash. This often applies to:
- Delivery drivers
- Company vehicles
- Maintenance or service trucks
We will review the details to see if a work-related claim is possible.
Do You Need to Report the Crash to Your Insurance Company?
Yes. Even though the other driver has no insurance, you must report the crash to your insurer. They need this notice before they can process a UM claim.
Our Charlotte personal injury lawyer will help you report the accident without risking statements that may be used against you.
Did an Uninsured Driver Hit You in North Carolina? Call Us Today
At DeMayo Law Offices, Your North Carolina Law Firm™, we know that recovering from an accident can be stressful. You may be dealing with painful injuries, missed work, and rising bills after a collision with an uninsured driver. You don’t have to face this on your own; we will help.
We guide you through each step and keep the process simple and clear. We protect your rights from the start and build your claim to recover damages from an uninsured driver crash.
At DeMayo, we believe a right without a remedy is just a suggestion™. That belief shapes the way we approach every case.
Our firm has recovered more than $1 billion for clients and draws on over 250 years of combined legal experience. We will represent you at no upfront cost, and you pay only if we win your case.
Call us for a free consultation to discuss your next steps.
Call or text (877) 333-1000 or complete a Free Case Evaluation form
