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How to Handle Car Accidents with Uninsured Drivers in North Carolina?

December 2, 2024

Being involved in a car accident is always stressful, but the situation can become even more complicated if the other driver is uninsured. In North Carolina, where state law requires all drivers to carry liability insurance, it can be shocking to discover that not everyone complies.

Fortunately, you can take steps to protect your rights and seek compensation. At Dewey, Ramsay & Hunt, our Charlotte personal injury lawyers are here to help you navigate this challenging situation.

Car Accidents with Uninsured Drivers in NC

North Carolina’s Vehicle Insurance Requirements

Under North Carolina law, all drivers must carry a minimum amount of liability insurance to cover injuries and property damage they may cause in an accident.  These limits are set to change on July 1, 2025, but the current limits are as follows

  • $30,000for bodily injury per person
  • $60,000for total bodily injury per accident
  • $25,000for property damage

Additionally, North Carolina requires uninsured motorist (UM) coverage as part of every auto insurance policy. This coverage is designed to protect you if you are involved in an accident with an uninsured driver.

Steps to Take After an Accident with an Uninsured Driver

If you are involved in a car accident with an uninsured driver, follow these steps to protect your rights and strengthen your claim:

  • Call the Police

Contact law enforcement immediately after the accident. A police report will document the details of the incident, including the other driver’s lack of insurance. This report can serve as crucial evidence if you need to file a claim with your own insurance company.

  • Gather Evidence

Collect as much evidence as possible at the accident scene, including:

  • Photos of the vehicles, damage, and the surrounding area.
  • Contact information for witnesses.
  • The other driver’s name, contact information, and license plate number.

The more evidence you can collect from the scene, the better.

  • Seek Medical Attention

Even if your injuries seem minor, seek medical care immediately. Some injuries may not be apparent right away, and prompt medical attention ensures your injuries are documented.

  • Notify Your Insurance Company

Inform your insurance provider about the accident as soon as possible. If the other driver is uninsured, you may need to rely on your uninsured motorist (UM) coverage to recover damages.

  • Consult Our Experienced Car Accident and Injury Attorneys for Help

Handling an uninsured motorist claim can be complicated, especially if your insurer disputes the value of your claim. Our experienced personal injury attorneys can help you navigate the process, negotiate with your insurer, and, if necessary, pursue legal action to ensure you receive fair compensation.

At Dewey, Ramsay & Hunt, our Charlotte personal injury attorneys are dedicated to helping accident victims recover the compensation they deserve. We handle the legal complexities so you can focus on healing.

If you’ve been in a car accident with an uninsured driver in North Carolina, don’t face the challenges alone. Call 704-377-3737 or contact us online to schedule a free consultation. We provide unique legal services tailored to each client’s needs and do not get paid unless you do.

Your Injury, Our Fight. How can we help you take a stand?

Because every case is different, the description of awards and issues previously managed by our law firm does not guarantee a similar outcome in current or future cases.

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