You file a claim for an uninsured motorist accident by using your uninsured motorist (UM) coverage. When you file your claim, you need to show proof of the crash, your injuries, and your losses. In North Carolina, UM claims move through your policy, but they work like a regular injury claim.
You still must show who caused the crash, prove the harm you suffered, and show how the wreck changed your daily life. Our uninsured car accident lawyer in Charlotte will handle each step so that you do not get lost in the process or miss key deadlines.
You can learn more today about how to file a UM claim during a free consultation.
How We Help After Uninsured Motorist Crashes in North Carolina
Filing a UM claim may feel confusing because you are dealing with your insurance company instead of the other driver’s. Still, the process follows the same rules as any other injury case.
Our car accident lawyer in Charlotte will keep everything on track. We will also respond when an insurance adjuster tries to reduce the value of your claim or say that your injuries came from something else.
A lawyer from our firm will:
- Look into the crash: We will gather reports, witness names, photos, and video when available.
- Show who caused the wreck: Even with UM claims, you still must prove the uninsured driver caused the crash.
- Document your injuries: This helps link your pain and limits to the crash itself.
- Add up your losses: This includes medical care, missed work, and changes in health.
- Handle talks with the insurance company: Our attorney shields you from confusing forms, leading questions, and recorded statements.
- Prepare a lawsuit for court if needed: Many parties settle their UM claims. However, filing a lawsuit and going to court remains an option if an insurer refuses to act fairly.
For a free legal consultation, call (877) 333-1000
What Makes North Carolina UM Claims Different?
North Carolina requires drivers to carry uninsured motorist coverage. This gives you a path forward when the at-fault driver has no insurance.
Many people expect their insurer to show extra support in these cases. However, UM claims do not work that way. Your insurer steps into the shoes of the uninsured driver and may push back on your request.
Our personal injury lawyer in Charlotte will help counter delays, low offers, or requests for unnecessary paperwork. Our goal is to move your case forward so you can seek financial relief without delay.
Steps to File a Claim for an Uninsured Motorist Accident
The steps below show how a UM claim usually moves forward in North Carolina:
- Report the crash: Call the police to create a clear record of what happened. The report helps show fault and connects the crash to your injuries.
- Get medical care as soon as possible: Prompt treatment protects your health and creates proof for your claim. Keep all bills, test results, and records.
- Call your insurance company: Let your insurer know that the other driver did not have insurance. Share only basic facts. We will take over communication from there.
- Gather evidence from the crash: Photos, witness names, medical records, repair estimates, and proof of missed work all support your claim.
- Open the uninsured motorist claim: Our attorney files the UM claim and sends a demand that explains the harm you suffered and what you are seeking.
- Answer follow-up requests: It is common for insurance companies to ask for more information. We handle these requests to protect you from questions that could hurt your claim.
- Settle or prepare for court: Many UM claims settle, but some move toward trial if the insurer will not agree to a fair settlement.
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You Could Recover Various Types of Losses in a UM Claim
A UM claim may cover any of the following:
- Medical bills
- Lost income
- Loss of future earning ability
- Pain and suffering (physical and mental)
- Loss of movement or strength
- Help with daily activities
- Vehicle repair or replacement
- Wrongful death losses for families who lost a loved one
We will explain which losses apply to you. We will work to recover compensation for all damages you suffered.
Common Accident Injuries That May Lead to a UM Claim
The uninsured driver can be held responsible for many types of harm, such as:
- Broken bones
- Head trauma or brain injuries
- Neck or back injuries
- Torn muscles, tendons, or ligaments
- Internal injuries
- Severe cuts or bruising
- Lasting pain that limits daily tasks
Generally, any injury that changes your work, health, or daily routine may be part of a UM claim.
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How Long Do You Have to File a UM Claim in North Carolina?
North Carolina gives you three years from the crash date to bring an injury lawsuit, per G.S. § 1-52. This same timeline matters if your uninsured motorist carrier refuses to pay and the case needs to go to court.
Three years may seem like a long time, but it can pass quickly. We will file your case on time and keep all paperwork on track. If you miss the filing deadline, you won’t be able to pursue damages.
Common Problems People Face When Filing UM Claims
Many people are surprised when their insurance company challenges their claim. UM claims can run into problems like:
- Disputes over who caused the crash
- Pushback on medical treatment or proof
- Slow or stalled responses
- Low settlement offers
- Requests for recorded statements
We will handle any issue that slows your case and keep you updated as things change.
What Happens if the Uninsured Driver Flees the Scene?
A driver who leaves the scene may still face responsibility through a UM claim. Still, you will need proof that another driver caused the crash.
A detailed police report, witness statements, or video footage can help. We will search for extra evidence when needed.
What Happens if the Driver Has Insurance But Not Enough?
Some drivers carry insurance, yet their coverage does not stretch far enough to cover all your losses. That is where underinsured motorist (UIM) coverage comes in.
Your UM/UIM policy can help pay for what the other driver’s policy does not. The process follows the same basic path as a UM claim, and our lawyer will manage each stage for you.
Talk With Us About Your Uninsured Motorist Claim Today
If you or a loved one is dealing with injuries from an uninsured motorist crash, DeMayo Law Offices is ready to step in. Our team has recovered more than $1 billion for clients and shares over 250 years of combined experience. We have helped thousands of families across North Carolina since 1992.
You do not pay anything unless we win your case, and there are no upfront fees or retainers. While you focus on healing, our team will gather evidence, prepare your claim, handle the insurance company, and stand by you throughout your case.
Whether your case is big or small, Your North Carolina Law Firm™ will fight for justice for you. Call now for a free consultation and learn how our team can guide you through your uninsured motorist claim.
Call or text (877) 333-1000 or complete a Free Case Evaluation form
