What Happens If The At-Fault Party Doesn’t Have Car Insurance in Charlotte, NC?

What Happens If The At-Fault Party Doesn't Have Car Insurance in Charlotte?

According to the North Carolina Department of Motor Vehicles, over 35,000 car accidents occurred in Charlotte in 2019. As the city grows, so does the number of car accidents. In most cases, both drivers will have insurance to help cover the damage of the car crash. However, in other cases, victims face the trouble of dealing with an uninsured or underinsured driver. It is important to know what to do in these situations so that you may recover the maximum amount of compensation available to you.

At The Law Offices of Jason E. Taylor, our Charlotte 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 Auto Insurance Laws

North Carolina Insurance Law requires all drivers to have liability insurance provided by a North Carolina licensed company. Liability coverage protects drivers and passengers against injuries and property damage caused by negligent drivers with limited, minimum, or no insurance.

Uninsured/Underinsured Motorist Coverage in North Carolina

Drivers in North Carolina are legally required to purchase coverage for uninsured/underinsured motorists, as well as minimum bodily injury and property damage limits. If you are involved in a car accident and the at-fault party does not have car insurance, you can file a claim with your own insurance company or file a lawsuit against the responsible party.

Penalties for Driving Uninsured in North Carolina

You should always have car insurance, even if you are only driving for a short period of time. It is the law in North Carolina and it can help protect you in the event of an accident. Driving without insurance in North Carolina can result in several penalties, including fines, loss of driving privileges, and civil penalties.

What Does Uninsured Motorist Insurance Cover?

If you have uninsured motorist insurance, it will cover injuries you or other passengers have suffered from the automobile accident. You may also be able to get compensated for other losses, such as lost wages and pain and suffering.

What to Do After a Car Accident with an Uninsured/Underinsured Driver in Charlotte

If you are in a car accident with an uninsured or underinsured driver, you can follow the same steps as any other motor vehicle accident.

  1. Make sure you are safe and that everyone involved in the accident is okay. Then, call 911 immediately and file a police report.
  2. Get the other driver’s name, address, license plate number, driver’s license number, and insurance information.
  3. Collect evidence at the scene of the accident. This includes taking pictures of the damage to both cars, getting contact information from all drivers and witnesses, and writing down what happened as soon as possible.
  4. Contact a car accident attorney. They will investigate the accident and get you the compensation you deserve. If the other driver is at fault and does not have car insurance, your lawyer will inform you of other options.

Why You Should Contact a Lawyer Before Speaking with the Insurance Company

An insurance company’s goal is to offer you the lowest settlement possible. Which means you may not get the compensation you deserve. A car accident lawyer will review your case and help you get the money you need to cover medical bills, property damage, and other losses.

Filing a Lawsuit Against the At-Fault Driver in North Carolina

If the at-fault driver does not have insurance, you also have the option to file a lawsuit against that driver. It is important to speak with an attorney to determine your best course of action and how much money you could potentially recover.

What If I’m Not the Driver?

If you are not driving when the accident occurs, your coverage should still pay for the injuries of the person driving your car, up to the policy limit amount.

Do You Need an Attorney For an Underinsured/Uninsured Driver Claim?

Yes, an experienced car accident lawyer will be able to help you navigate the legal system, file a claim with your insurance company, and get the compensation you deserve. Contact us today for a free consultation.

Contact a Charlotte Car Accident Attorney Today

Unfortunately, auto accidents become more and more common as the city grows. If you have been injured in one due to someone else’s negligence or recklessness, you deserve fair compensation for your injuries.

Our auto accident attorneys have experience with all personal injury cases, including 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 initial 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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