Uninsured Motorist Coverage: North Carolina

Should you have uninsured motorist coverage in North Carolina? Yes! Uninsured motorist insurance is compulsory in North Carolina, and 8% of North Carolina drivers are not insured. What is uninsured motorist insurance? In most cases, uninsured motorist insurance will cover personal injuries to the insured, a family member or others in the care of the policyholder when the injury is attributable to an uninsured, underinsured, or hit-and-run motorist. UM/UIM protection is frequently termed North Carolina hit-and-run insurance coverage. If you don’t have this type of coverage, you may be forced to cover healthcare expenses connected with a vehicle accident for which you were not liable.

Thankfully, North Carolina uninsured motorist coverage doesn’t need to cost you lots of money.

Fortunately, we have partnered with an extensive array of North Carolina car insurance companies who can offer you uninsured motorist insurance. Enter you zip code to compare rates!

North Carolina Uninsured Motorist Law

As mentioned previously, this type of coverage is mandatory in North Carolina. If a person does not have 30/60/25 worth of coverage (in thousands of dollars) for personal injury and property damage, he or she is underinsured. In such cases, UM/UIM coverage should pay the disparity between what the driver responsible can shell out, and the amount that is owed.

Injured By an Uninsured Motorist in North Carolina?

If you’ve been hit by an uninsured motorist in North Carolina, you may have legal recourse. It certainly seems unjust to be denied compensation just because the other motorist who caused the accident neglected to purchase insurance, and the legal system may agree. Obviously, it’s essential to have a law firm examine your uninsured driver claim.