If I Make a UM or UIM Claim in Charlotte, NC Will It Cause My Premiums To Increase?

If I Make a UM or UIM Claim Will It Cause My Premiums To Increase?

We all know the stresses of driving in Charlotte. Traffic is constant and occurs everywhere throughout the city. Whether you’re going to a concert in Uptown or making your way to the Charlotte Motor Speedway, the chance of an accident is high. Unfortunately, this also means that getting into car accidents with an uninsured or underinsured driver is high.

Although carrying underinsured/uninsured motorist coverage is required in North Carolina, many drivers choose to go without it. When you have UM/UIM coverage, you can file a claim with your own insurance policy or file a lawsuit against the responsible party. However, many accident victims wonder what filing a claim under this coverage will mean for their premiums. Will filing an uninsured motorist claim cause your insurance rates to go up?

North Carolina Auto Insurance Coverage Requirements

All vehicles with North Carolina registration must have continuous liability insurance provided by a North Carolina licensed insurance provider.

In North Carolina, you must have a minimum of:

Bodily Injury Coverage – $30,000 per person and $60,000 per accident. Bodily injury coverage is insurance that helps pay for the injuries of others if you are found at fault in a car accident. It also covers you and your passengers if you are injured in an accident.

Property Damage$25,000 – Property damage coverage is insurance that pays for the damage to other people’s cars or property resulting from the car accident.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage is included in auto insurance policies under your liability coverage. It pays for your and your passenger’s injuries if you are involved in a car accident with an at-fault driver who does not have any car insurance or does not have enough insurance to cover the damages.

What Does UM/UIM Motorist Insurance Cover?

Uninsured/underinsured motorist insurance will cover the following:

  • Medical expenses
  • Lost wages
  • Pain and suffering

If you are involved in a car accident with an at-fault driver who does not have any car insurance or does not have enough insurance to cover the damages, you should contact a Charlotte car accident attorney as soon as possible. At The Law Offices of Jason E. Taylor, we will help you file your insurance claim and ensure you receive the compensation you deserve.

How to File Underinsured and Uninsured Motorist Claims

If you are involved in a car accident with an at-fault driver who does not have any car insurance or does not have enough insurance to cover the damages, you can file a claim with your own insurance company.

You will need to provide the following information to your insurance company:

  • Your name, address, and phone number
  • The name, address, and phone number of the other driver
  • A police report (if available)
  • Any medical bills or reports
  • Proof of car repairs

If you are involved in a car accident with an at-fault driver who does not have any car insurance or does not have enough insurance to cover the damages, you should contact a car accident attorney as soon as possible. At The Law Offices of Jason E. Taylor in Charlotte, we will help you file your insurance claim and ensure you receive the compensation you deserve.

Will an Underinsured or Uninsured Motorist Claim Raise My Insurance Premiums?

In North Carolina, an insurance company cannot charge insurance points when the accident is not your fault. This means that you can file an uninsured or underinsured motorist claim without worrying about your rates going up.

However, if you are found to be at fault for the accident, your rates may increase. This is usually at the discretion of your insurance company and is dependent on various factors.

Contact a Personal Injury Attorney Today

Charlotte is a big city and as it continues to grow, so does the risk of car accidents. If you have been injured in one due to someone else’s negligence or recklessness, you deserve fair compensation for your injuries.

Our attorneys have experience with all personal injury cases, including Charlotte car accidents. We are not afraid to take on insurance companies to help you obtain fair compensation. We value the attorney-client relationship and will work tirelessly to protect your rights.

Contact The Law Offices of Jason E. Taylor today for your free consultation and learn more about what we can do to help you. We will answer your questions and explain all of your legal options.

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