Uninsured Motorist Claims
Being involved in an auto accident is often a traumatic event which can include injuries and damage to your car. Auto insurance was designed to help you recover the damages and losses that occur in the crash. When you’ve been hit by a driver who is not insured, your ability to recover the financial resources you need is lost. That is why uninsured motorist coverage was conceived and offered by auto insurance companies.
At Auger & Auger Accident and Injury Lawyers, we know how important that coverage can be in the event of an accident with an uninsured driver. We’ve been in the business of helping accident victims throughout North Carolina for more than 25 years. Our firm is dedicated to helping you obtain the legal compensation you need and deserve through insurance claims and lawsuits. In the case of accidents caused by uninsured motorists, we can help you recover damages through your uninsured motorist policy coverage with your own insurance company.
Coverage in North Carolina
According to the Insurance Information Institute, 12.6 percent of all U.S. drivers (approximately one out of every eight) did not carry auto insurance in 2012. North Carolina’s estimated percentage for that year stood at 9.1 percent. While the number of uninsured drivers has been decreasing, it is still too high and remains a potential threat to all motorists and their passengers on the road.
North Carolina now requires that all drivers carry uninsured motorist coverage under General Statute § 20-279.21. This coverage protects you when you’ve been harmed by a driver without auto insurance. Your auto insurance carrier must provide you with this coverage when you sign up for your auto insurance policy.
In North Carolina, your uninsured motorist clause covers bodily injury and property damage for you and your family and anyone traveling in your covered vehicle. In North Carolina, the minimum limits for uninsured motorist coverage are:
- Property damage limits start at $25,000 and increase from there
- Bodily injury limits start at $30,000 per person / $60,000 per accident and may increase up to $1,000,000 per person or accident
Uninsured motorist coverage can be applied to an accident in which you have been hit by an uninsured driver as well as in certain circumstances of a hit-and-run. This insurance coverage can pay for your medical expenses, lost earnings, and pain and suffering.
Legal Representation for Insurance Claims
Dealing with your insurance company in the wake of an uninsured motorist auto accident may be problematic, especially when you have been seriously injured. Our firm is here to help you recover all of the damages to which you are entitled. Our skilled help can make the difference between a successful insurance settlement and one that leaves you without the full resources needed to fully address your losses.
We’ll start by reviewing your auto insurance policy, answering all of your questions, and advising you on what needs to be done to make your claim. We’ll follow through with all of the necessary steps involved in the claims process while you concentrate on putting your life back together.
We offer a free consultation with one of our attorneys to help you get started. Contact us at any time of the day or night for professional and caring legal assistance.