North Carolina requires every driver to carry a minimum amount of liability insurance in order to compensate those who are injured in a vehicular accident. Unfortunately, there are some who scam the system. They cancel their car insurance shortly after registering their vehicle. It is estimated that approximately 14 percent of all drivers in the U.S. do not have car insurance.

In order to make up for the loss, the state also requires drivers to have coverage in the event they are in a crash with an uninsured motorist (UM). Depending on circumstances, you may also have a policy that will cover you if you are in a car accident with an underinsured motorist (UIM). There are some important things about your UM or UIM coverage you need to know.

  • Uninsured or underinsured policies do not cover you if you were the one that caused the accident.
  • There is a time during which you must file your claim with your insurance carrier. If the time runs out, you will not be able to collect for your damages no matter how seriously you were hurt.
  • If a car collides with your car, leaves the scene and you can never locate him or her, your UM/UIM coverage will apply. If the car cuts you off and causes you to hit a tree, but does not actually make contact with your car, your UM/UIM policy does not cover you.
  • Generally, a UM/UMI policy covers your family members who live with you.
  • Coverage extends to your minor children who do not live with you.
  • It covers a driver to whom you have given permission to drive your car.
  • If you were using your car for business purposes at the time of the crash, you may not be covered under the UM/UIM terms of the policy.
  • If you are a pedestrian hit by an uninsured motorist, your automobile UM/UIM policy should provide coverage for your injuries.

If you were injured in a car accident with an uninsured motorist, call us at Campbell & Associates. Unfortunately, insurers have a reputation for denying claims. They may zealously try to put the blame for the accident on you since you cannot legally collect damages under the UM/UIM provision if it was your fault.

We offer a free consultation where we review the facts of your case and help you pursue your damages claim. We know how to buffer the claims of fault and how to negotiate with the adjusters. We will work diligently to help you collect all the damages to which you are legally entitled. Contact us today.