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North Carolina Automobile Insurance Policy Lawyer

Auto Repair Man

The mandatory coverages on an automobile policy include bodily injury and property damage. In North Carolina, uninsured motorist is also included, however, a person may reject this coverage only if they sign a special form refusing such coverage. Optional coverages include medical payments, comprehensive (fire and theft), and collision.

Bodily Injury and Property Damage are intended to compensate people injured due to the negligence of the insured.

If you were injured in an automobile accident due to the negligence of another driver, your claim will be against the bodily injury and property damage portions of their auto policy.

Medical Payments is an optional coverage that can help pay your medical bills following an accident, even though another party will ultimately be responsible.

Uninsured motorist is often combined with underinsured motorist coverage. If you are injured in an automobile accident, and the person that caused the wreck is uninsured, your claim will be against the uninsured motorist provision of your personal auto policy. If the person who caused the wreck has insurance, but the bodily injury limit is less than the uninsured motorist limit on your personal auto policy, your claim will be against the uninsured motorist provision of your personal auto policy.

The collision coverage on your personal auto policy will compensate you for damages to your car regardless of who is at fault. If your personal auto policy pays for the damage to your car under your collision coverage but there is someone else at fault, your insurance company will be reimbursed by the at fault party.

It can be very difficult dealing with the different types of coverage available. Let the experienced personal injury attorneys at Auger & Auger help you. Your initial consultation is free.

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The list of prior client settlement results and client reviews/testimonials, do not constitute a promise of any particular result in any particular case, as each and every case is unique. Each case was handled on its own merit, and the outcome of any case cannot be predicted by a lawyer or law firms past results.

If a recovery or settlement by trial is made, the client will be responsible for costs advanced in addition to attorney fees. Client remains responsible for costs, expenses and disbursements, including medical bills, within the scope of representation. The attorney’s contingency percentage will be computed prior to the deduction of expenses from the total recovery.

The principal office for Auger & Auger Law Firm is located at 717 S. Torrence St., Suite 101, Charlotte, NC. The attorneys and staff of Auger & Auger Law Firm work and process all of the firm’s files at the principal office location in Charlotte, NC. Other office locations listed on our website are satellite offices that are not staffed daily. Satellite offices are operated for the convenience of our clients and who live outside of the Charlotte, NC metro area and are unable to meet with us at our principal office location. All meetings at our satellite offices must be made by appointment only. Phone numbers for satellite offices forward to our principle office location in Charlotte, NC.