Is Uninsured Motorist Insurance Required in North Carolina?
What happens if you are hit by an uninsured driver or are underinsured yourself? In the case of an underinsured driver, that person has no insurance. Having uninsured coverage can make things easier in those situation. If someone is underinsured they do not have enough insurance to cover your damages. Depending on your coverage you can be covered for injuries, or both injuries and property damages. You can also visit JusticeCounts.com for more in depth information on how uninsured and underinsured motorist coverage works.
Our clients ask us all the time ‘what is underinsured motorist coverage, what is uninsured motorist coverage?’ We explain it very well on our website, I encourage you to read about it for a full explanation, but I can make it very simple. First uninsured coverage: uninsured coverage is exactly what it says, it means the other driver who’s at fault did not have any insurance, for whatever reason they have no coverage. If you have uninsured coverage, in most cases people have uninsured coverage. Your carrier will step into the shoes of the other party and pay your claim as an uninsured claim. Underinsured coverage is exactly what it says, it means that the person who is responsible for the accident had insurance, but they didn’t have enough insurance to pay you for your damages. Underinsured coverage only applies to injury, it does not apply to property damage. Uninsured coverage applies to injury and property damage. Please give us a call or send us an email. We’re here, we’re ready to help. Justice counts.