A car accident is always stressful. Even minor crashes can result in medical bills and damage to your vehicle. Major accidents could mean serious injuries that upend your life and have a long-term impact on your health and finances.
In North Carolina, you can look to the at-fault driver’s insurance carrier to pay for your damages. But what if the other driver doesn’t have insurance? In those situations, a Monroe uninsured motorist accident lawyer can help you understand your options.
Since 1992, the attorneys at DeMayo Law Offices have recovered over $1 billion in awards and damages for injury victims. Our Monroe car accident lawyers can help you get the compensation you need after an accident. Contact us today for a free case evaluation.
Insurance Regulations in North Carolina
When you are in a car accident with a driver who does not have car insurance, it helps to have an understanding of insurance regulations in North Carolina. Your Monroe personal injury lawyer can explain how the laws impact your specific case.
Required Car Insurance Coverage
Effective July 1, 2025, North Carolina law requires drivers to carry auto insurance with a minimum of $50,000 per person for bodily injuries and $100,000 in total coverage for bodily injury per accident. Drivers must also carry at least $50,000 in coverage for property damage per accident.
At-Fault Coverage in North Carolina
The minimum coverage provides at least some measure of restitution for other drivers in case of an accident. This is important, as North Carolina is an at-fault state. The at-fault model dictates that the at-fault driver is responsible for damages in case of an accident.
Penalties for Driving Without Insurance
It is illegal to drive without car insurance in North Carolina. If a driver is caught, they are subject to fines, license suspensions, and potential jail time. This incentivizes motorists to comply with the law, but it doesn’t help you if you are in an accident with an uninsured driver.
For a free legal consultation with an uninsured accident lawyer serving Monroe, call (877) 333-1000
When the Liable Party Doesn’t Have Car Insurance
A motorist who gets into an accident while driving without insurance has a lot of problems ahead of them. Unfortunately, there probably isn’t much they can do to help you pay your expenses. You have a few options to get the compensation you need.
File a Claim With Your Insurance Policy
In North Carolina, all drivers are required to carry uninsured motorist insurance. Minimum amounts mirror the requirements for body injury and property damage required by law for accident coverage. In essence, it gives you coverage similar to that of another motorist’s insurance.
This means you can file a claim with your insurance provider to cover your damages. It is a nice safety net, but issues arise if your damages exceed $50,000 per person for bodily injuries, $100,000 in total coverage, or $50,000 in property damage.
A Monroe uninsured motorist accident attorney can help you understand your insurance policy and what to do if your coverage does not cover your expenses. In some cases, your attorney can negotiate for a better settlement on your behalf.
File a Civil Lawsuit Against the At-Fault Party
An uninsured motorist accident lawyer in Monroe, NC, can file a suit on your behalf and represent you in court to reclaim damages caused by an uninsured motorist.
In a best-case scenario, you will come away with an award that takes care of your damages and lets you get back on your feet. However, most people who can’t afford insurance coverage do not have the means to pay your damages even if you win.
This is where advice from a skilled attorney is essential.
Monroe Uninsured Accident Lawyer Near Me (877) 333-1000
Important Steps After an Accident With an Uninsured Driver
As with all car accidents, it is important to follow several important steps to get the healthcare you need and preserve evidence in your case. These include:
- Seeing a doctor, even if you don’t believe you’re injured badly
- Reporting the accident
- Contacting an attorney
- Following your doctor’s orders
- Keeping records and invoices that show your expenses
- Writing a narrative of the accident, as best you can remember
- Keeping notes on how the accident has impacted your family
In addition to these, there are a few more important things you should do if the other driver has no insurance.
Call the Police
Call the police and report the accident. This is important in any accident, but in crashes with uninsured motorists, it can help establish your case. The police who arrive on the scene will note the at-fault driver’s inability to provide insurance and either cite or detain them.
The police report will show that the at-fault driver was uninsured at the time of the accident, which your uninsured motorist accident attorney in Monroe, NC can use in case of a dispute.
You may feel bad calling the police, and the other driver may even try to talk you out of it, but it is the correct thing to do under the law. It also preserves your right to compensation for injuries and property damage.
Get the Other Driver’s Information
In most accidents, you would exchange insurance information with the other driver. If they do not have insurance, the next best thing is to get their contact information if it is safe to do so. You might also take a picture of their license plate.
Occasionally, uninsured drivers will leave the scene immediately or once they know the police are on the way. In a hit-and-run crash, identifying the driver can be important in getting the compensation you need.
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Get Help From a Monroe Uninsured Motorist Accident Attorney
If you have been in a car accident with an uninsured motorist, you have options. While they may face fines and legal action for driving without insurance, that won’t help you pay your bills. Still, there are ways to recover the compensation you need.
A Monroe uninsured motorist accident attorney can explain your rights and help you choose the best way to get the money you need to pay your expenses and care for yourself and your family. We can help you file insurance claims or represent you in civil court.
At DeMayo Law Offices, our goal is to provide outstanding legal representation while delivering an excellent client experience with compassion and empathy. If you have been injured in an accident, we are here to help. Call for a free consultation today.
Call or text (877) 333-1000 or complete a Free Case Evaluation form
