If I Make a UM or UIM Claim Will My Premiums Increase in Greenville, NC

Founded in 1771, Greenville is a relatively small city in North Carolina. However, as the principal city of the Greenville metropolitan area, it is the 12th-most populous city in North Carolina. As it continues to grow, the number of car accidents in Greenville is also rising.

In 2020, there were 2,690 car accidents in Greenville, with ten fatalities and over 1,400 people suffering injuries. North Carolina may require drivers to have insurance, but that doesn’t mean everyone does.

At The Law Offices of Jason E. Taylor, our Greenville car accident lawyers have years of experience helping car accident victims get the compensation they deserve. We will work with the insurance company to ensure that you are fairly compensated for your losses. Contact us today for a free consultation.

North Carolina Car Insurance Coverage Requirements

North Carolina law requires all vehicles registered in the state to have continuous liability coverage provided by a licensed insurance company. 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(UM)/Underinsured (UIM) Motorist Coverage in Greenville, North Carolina

Uninsured motorist coverage (UM) compensates you when an at-fault driver fails to carry liability insurance. Underinsured (UIM) motorist coverage may compensate you when the at-fault driver carries liability insurance but it is not enough to compensate you for all of your damages. Uninsured motorist coverage is required in North Carolina. Drivers automatically receive $30,000 in uninsured motorist coverage when they purchase $30,000 in liability. Underinsured coverage is optional and must be added to a policy. .

What Does UM/UIM Cover in Greenville, NC

If the other driver has no insurance, your UM policy will step in to pay for your damages. If the other driver does not have enough insurance to cover your damages, your UIM policy maystep in and pay for your expenses. Having UM/UIM coverage is important because it can help you cover medical costs, lost wages, and other damages that you may incur after an accident.

It is important to note that your damages may exceed your underinsured/uninsured motorist coverage. Check your insurance policy to determine your policy limits.. In some cases, you may need a medical payments coverage plan to provide additional coverage for medical expenses.

How to File Uninsured and Underinsured Motorist Claims in Greenville, NC

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

To file your claim, you will need to provide the following information:

  • Your name, address, and phone number
  • A police report
  • The name, address, and phone number of the other driver
  • Medical bills and 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, contact a Greenville 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.

Will an Uninsured orUnderinsured   Motorist Claim Raise My Insurance Premium in Greenville, NC?

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.

Can I File a Lawsuit Against an Uninsured or Underinsured Driver?

Yes, you can file a lawsuit against an uninsured or underinsured driver in North Carolina. If you have been injured in an accident caused by an uninsured or underinsured driver, you may be able to recover damages through a personal injury lawsuit.

However, it is important to note that you will likely only be able to recover damages if the other driver was at fault for the accident. North Carolina follows the contributory negligence doctrine, which means that if you are even partially at fault for the accident, you may not recover compensation for your injuries.

Contact a Car Accident Attorney Today

If you have been injured in an accident 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 Greenville 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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