What Happens if the At-Fault Party Doesn’t Have Car Insurance in Greenville, NC?

If you are involved in an accident and the other driver doesn’t have car insurance, don’t panic. Your insurance may cover you. If you have any questions about your car accident case, it’s always best to speak with an experienced car accident attorney to help you understand your rights and options.

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 Auto Insurance Laws

Liability Coverage

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. This type of coverage protects you if you are involved in an accident with someone who does not have adequate insurance to cover the damages caused.

Legal Consequences of Driving Without Insurance in Greenville, North Carolina

Driving without insurance is a serious offense in North Carolina and can result in several penalties, including fines, loss of driving privileges, and civil penalties.

What Does Uninsured Driver Insurance Cover?

If you are involved in an accident with an uninsured motorist, your uninsured motorist insurance will cover the damages caused. This includes:

  • Medical Expenses – Medical bills are the costs of treating injuries resulting from an accident. These expenses can include ambulance rides, hospital stays, and doctor’s visits.
  • Property Damage – Property damage is the damage caused to another person’s property as a result of an accident. This can include damages to a vehicle or any other type of property damaged in the accident.
  • Lost Wages – If you are unable to work due to an accident, you may be able to recover lost wages. This would be the amount of money you would have earned if you could work.
  • Pain and Suffering – Pain and suffering is the physical pain and emotional anguish you experience due to an accident. This can include things like anxiety, depression, and post-traumatic stress disorder.

What to Do After a Car Accident with an Uninsured or Underinsured Driver in Greenville

Treat a car accident with an uninsured or underinsured driver the same as any other car 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, 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.

Contact a Lawyer Before Speaking with the Insurance Company

You should not speak with the insurance company until you have spoken with a lawyer. The insurance company may try to get you to sign a release or make a statement that could hurt your case down the road. An experienced car accident lawyer in Greenville will be able to help you navigate the claims process and ensure that you get the compensation that you deserve.

Pursuing Compensation for Your Injuries

If you want to pursue compensation for your injuries. Contact one of the car accident attorneys with The Law Offices of Jason E. Taylor. We will evaluate your case and help you understand your options. For example, you may be able to file a claim against your own insurance company, or you may be able to file a lawsuit against the at-fault driver. Your lawyer will help you determine which option is best for you.

Filing a Lawsuit in Car Accidents With an Uninsured Motorist

If you decide to file a lawsuit against the at-fault driver, there are a few things that you will need to do. First, you will need to file a complaint with the court. This document will outline your case and state why you believe the other driver is responsible for your injuries.

You will also need to provide evidence to support your case. This may include witness statements, medical records, and photos of the accident scene.

The other driver will also have a chance to respond to your lawsuit. They may deny that they are responsible for the accident, or they may try to argue that you were also partially at fault. It is important to have a lawyer on your side who can help you navigate the legal process and protect your rights.

Contributory Negligence in North Carolina

One thing to keep in mind if you are filing a lawsuit against an uninsured driver is that North Carolina is a contributory negligence state. This means that if the court finds that you were even slightly at fault for the accident, you will not recover any damages.

This can be a tricky law to navigate, and it is important to have a lawyer on your side who understands how it works. Your lawyer will be able to help you prove that the other driver was responsible for the accident and protect your rights in court.

Statute of Limitations in North Carolina

The statute of limitations for car accident claims is three years in North Carolina. This means you have three years from the date of the accident to file your claim. If you file after three years, you will not be able to pursue any compensation for your injuries. This is why it is important to contact a lawyer as soon as possible after the accident.

Contact a Greenville Car Accident Lawyer Today

Unfortunately, auto accidents are common, and even though North Carolina has specific auto insurance laws, not all drivers carry insurance. If you have been injured in a car accident caused by the negligence of another, 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.


What Happens if the At-Fault Party Doesn't Have Car Insurance in Greenville?

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