Like every responsible driver, you likely have an auto insurance policy that meets your state’s minimum requirements. But what if someone else wasn’t following the law? If you’re injured by an uninsured driver, collecting compensation for your damages could be quite complicated and may require the expertise of a skilled car accident lawyer. Below is an overview of the process for filing a claim in North Carolina, although the rules vary somewhat from state to state.
Accidents Caused by Uninsured Drivers in North Carolina
When You Can File an Uninsured Motorist Claim
Fortunately, North Carolina law requires every insurer to provide uninsured motorist with every policy. If you’re hit by someone driving without coverage, you may file a claim against your own insurer. However, this coverage only kicks in if the other driver actually made contact with your car. If you were run off the road or swerved to avoid an accident, you may need a car accident lawyer to identify your legal options.
Document Your Damages
Gathering evidence from the scene of the accident can be instrumental in getting the compensation you deserve. If you’re physically capable, take photos of the damage to both vehicles, their final positions, and your own injuries. You should also see a doctor as soon as possible to establish a link between your medical condition and the accident.
Prove the Other Driver Doesn’t Have Insurance
Before paying an uninsured motorist claim, your insurance company will need proof that they didn’t have coverage when the accident occurred. The North Carolina DMV will provide you with a document proving that the other driver didn’t have an active insurance policy, which you can submit to your carrier. Your car accident lawyer may also obtain a statement from the other driver’s last insurance provider stating that they no longer have coverage.
If you’ve been injured by an uninsured driver, the car accident lawyers at Hill & Hovis will represent your interests and ensure you’re fairly compensated for your losses. Their team has over 60 years of experience fighting for the rights of victims throughout the High Point, NC, area and a steadfast dedication to the welfare of their clients. Visit their website for more on how they can help after an accident or call (336) 883-6000 to schedule your free initial consultation