What Insurance Do You Need That You Probably Don’t Have?

Uninsured Motorist Coverage

There is a type of insurance available to you that you likely don’t know about. It can act as a kind of fail-safe. Why should you consider getting it? Most people would argue that insurance is your insurance. But what happens if you get injured and the other driver is uninsured?

If you drive a car on a public road, then you should have liability insurance—you’re required to in North Carolina. If you get into an accident, there is a possibility of other people getting injured. Vehicles may get damaged. If you are at fault (or liable), your liability insurance can cover legal expenses and some or all of the money you are obligated to pay to others you have harmed.

But let’s turn this around: what if someone else caused the accident? If you have medical bills and a destroyed vehicle, what happens when you discover the other driver doesn’t have liability insurance?

Don’t Make Assumptions

Because you drive a vehicle legally, it is easy to make the mistake of assuming everyone else is doing the same. When other people drive without liability, they are gambling. And they are bringing you into it. In North Carolina, if someone is found to be operating a motor vehicle without liability insurance, they could face jail time after the second offense.

The largest issue is that their risk becomes yours.

The Risk & The Solution

Depending on what report or estimate you read, you will discover that uninsured drivers do exist. Without insurance, it is unlikely that they will be able to pay the significant costs associated with medical treatment and vehicle repair.

To remove yourself from the risk that uninsured drivers are putting you in, purchase uninsured motorist coverage. Injuries may require immediate treatment such as ambulance transportation and hospitalization, but they can extend to medications (needed as a result of the accident). Should your injury prevent you from working, uninsured motorist insurance can potentially cover those as well.

Getting Into An Accident Without Uninsured Motorist Insurance

If you have gotten in an accident with someone who doesn’t have insurance, find an attorney who understands the legal issues surrounding car accidents. The right attorney will be able to do the following:

  • Analyze your policy (to see what you are already covered for)
  • Review the accident from a legal perspective to determine who is liable
  • Advise and support you throughout the entire process
  • Fight for your claim

Protect yourself from motorists who do not have insurance by getting more of your own—which can likely be had at only a few dollars a month. And remember, the insurance company is not on your side, if you have been in an accident, obtain an attorney to advocate for you and your claim.

The Law Offices of Jason E. Taylor, P.C.

If you have been in an accident involving an uninsured motorist, you should strongly consider retaining legal counsel immediately. Contact the Law Offices of Jason E. Taylor to schedule your free consultation. There’s no fee unless we win, and we can come to you. Let our team stand up for you and your rights.

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