What to do After a Motorcycle Accident If You Don’t Have Insurance in Charlotte NC

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What to do After a Motorcycle Accident If You Don’t Have Insurance in Charlotte NC

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what should you do after a motorcycle accident if you don't have insurance in charlotte nc

You’re riding along I-485 on your motorcycle, enjoying the wind in your face and the sun on your skin. Then, out of nowhere, a car cuts you off, sending you flying into traffic. You hit the pavement hard, sustaining serious injuries.

After a motorcycle accident, knowing what steps to take to protect yourself is important. Not having insurance can lead to serious legal trouble, so you must take the time to learn about your options. At The Law Offices of Jason E. Taylor, our Charlotte motorcycle accident lawyers have years of experience helping accident victims get the compensation they deserve. Contact us today for a free consultation.

Motorcycle Insurance is Required Charlotte, NC

Like car insurance, North Carolina also requires motorcycle operators to carry insurance. This requirement is in place to protect both riders and other motorists on the road. Motorcycle operators are required to carry:

  • Bodily injury (one person) – $30,000
  • Bodily injury (two or more people) – $60,000
  • Property damage – $25,000

We always recommend that riders purchase insurance that exceeds the state minimums to protect yourself and others.

The Dangers of Riding Without Insurance in Charlotte, NC

Riding without insurance is extremely dangerous. If you are involved in an accident, you may be held personally liable for any damages that the other party incurs. This means that you could be sued and have to pay for the other party’s medical expenses, pain and suffering, and lost wages. You may also be responsible for your own legal fees.

North Carolina classifies driving without insurance as a misdemeanor which means riding without insurance also puts you at risk of being fined or having your license suspended.

Don’t take the risk of riding without insurance. Make sure you are properly insured before you get on the road.

Charlotte, NC

What to Do After a Motorcycle Accident if You Don’t Have Insurance

If you are involved in a motorcycle accident and don’t have insurance, the first thing you should do is seek medical treatment. Even if you don’t think that you are injured, it is important to get checked out by a doctor. Some injuries, such as concussions, may not be immediately apparent. After seeing a doctor, the next step is contacting a personal injury lawyer.

An experienced personal injury lawyer will be able to help you navigate the legal process, handle communication with the insurance company, and ensure that you get the compensation that you deserve. If you have been injured in a motorcycle accident, contact The Law Offices of Jason E. Taylor today for a free consultation. We will review your case and help you understand your legal options.

Common Causes of Motorcycle Accidents in Charlotte, NC

Many different factors can contribute to a motorcycle accident. In some cases, the accident may be caused by another driver’s negligence. For example, if a driver fails to yield the right of way or cuts off a motorcycle while changing lanes, they may be held responsible for any resulting accident.

In other cases, the accident may be caused by road conditions or mechanical issues with the motorcycle. Regardless of the cause, it is important to contact an experienced personal injury lawyer who can help you file an insurance claim and get compensation for your injuries.

Common Injuries After a Motorcycle Accident

The injuries a motorcycle rider sustains in an accident will depend on the accident’s severity and whether or not they were wearing a helmet. Some common injuries after a motorcycle accident include:

  • Road rash
  • Broken bones
  • Concussions
  • Spinal cord injuries
  • Traumatic brain injuries

Motorcycle accidents often result in serious injuries leading to costly medical bills, and injury victims should not have to suffer for an accident that they did not cause. If you were injured in a motorcycle accident, contact an experienced personal injury lawyer who can help you get the compensation you deserve.

Recovering Damages After a North Carolina Motorcycle Accident

After a motorcycle accident, you may be entitled to receive compensation for your medical expenses, lost wages, and pain and suffering. You may need to file a personal injury claim to get this compensation. The other driver’s insurance company will likely send an insurance adjuster to investigate the accident.

The insurance adjuster will try to minimize the amount of money the insurance company has to pay. This is why it is important to have an experienced personal injury lawyer on your side. A lawyer will fight for your rights and ensure you get the full compensation you are entitled to. At The Law Offices of Jason E. Taylor, we will work tirelessly to get you the best possible outcome in your case.

Contributory Negligence in North Carolina Motorcycle Accidents 

In some cases, the motorcycle accident victim may be found to be partially at fault for the accident and barred from recovery. In North Carolina, this is known as contributory negligence. We are one of only a few states in the entire country that still has this law. This is why it is so important to have an experienced lawyer on your side.

At The Law Offices of Jason E. Taylor, we will investigate the accident and gather evidence to prove that you were not at fault. We will do everything to help you get the compensation you deserve.

Can I Be Sued for a Motorcycle Accident?

Yes, if you are found at fault for a motorcycle accident, the other party may sue you to recover damages. Your personal assets, such as a car, property, boat, etc., can be used to pay for a crash victim’s personal injuries. That is why it is so essential to make sure that you have at least the minimum motorcycle insurance if you are riding on the roads of Charlotte, North Carolina.

Get Help From an Experienced Personal Injury Attorney in Charlotte, North Carolina

Whether you were in a car accident or motorcycle accident, it is important to get help from an experienced attorney. The Charlotte attorneys at The Law Offices of Jason E. Taylor have years of experience handling personal injury claims, including motorcycle accidents.

We value the attorney-client relationship and will work tirelessly to protect your rights, and we will do everything we can to ensure you get the compensation you deserve. Contact us today to schedule a free case review.

301 S McDowell St #1016
Charlotte, NC 28204

Phone: (704) 676-1093
Toll Free: (800) 351-3008

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120 3rd St NE
Hickory, NC 28601

Phone: (828) 327-9004
Toll Free: (800) 351-3008

301 S McDowell St #1016
Charlotte, NC 28204

Phone: (704) 676-1093
Toll Free: (800) 351-3008

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Concord, NC 28025

Phone: (704) 787-9419
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Notice of Data Security Event
Updated March 28, 2025

The Law Offices of Jason E. Taylor is providing notice of an event that may affect certain individuals’ information. Although we have no indication of identity theft or fraud in relation to this event, we are providing information about the event, our response, and additional measures individuals can take to help protect their information, should they feel it appropriate to do so.

What Happened? On October 28, 2024, The Law Offices of Jason E. Taylor identified suspicious activity related to our email system. We quickly took steps to investigate and determined that an unknown actor may have accessed certain emails within our email system between August 7 and November 7, 2024. We then conducted a comprehensive review of the potentially affected emails and attachments to determine what information was contained therein and to whom the information related, which was completed on February 25, 2025. Unfortunately, we were unable to verify the addresses of certain affected individuals, so we are providing this notice to ensure potentially affected individuals receive information about the event.

What Information Was Involved? The information affected may include individuals’ Social Security number, driver’s license and state ID information, financial account number, and health information.

What We Are Doing. We are notifying individuals about this matter and providing guidance about free resources that are available to assist with monitoring relevant accounts, credit reports, and how to place a fraud alert or security freeze on one’s credit file. Further, as with our typical security practices, we will continue to evaluate our policies, procedures, staff training, and technical security measures to reduce the likelihood of an event like this reoccurring.

What Individuals Can Do. We encourage you to remain vigilant against incidents of identity theft and fraud by reviewing your account statements and monitoring your free credit reports for suspicious activity and to detect errors. We also recommend you review the below “Steps Individuals Can Take To Help Protect Personal Information”.

For More Information. If individuals have questions about this matter, we have a dedicated assistance line with agents ready to answer their questions. Please contact our toll-free dedicated assistance line at 1-800-939-4170, Monday through Friday from 9 a.m. through 9 p.m., excluding holidays. You may also write to us at The Law Offices of Jason E. Taylor, Attn: Compliance, P.O. Box 2688, Hickory, NC 28603.

Sincerely,

The Law Offices of Jason E. Taylor

STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT PERSONAL INFORMATION

Monitor Your Accounts

Under U.S. law, a consumer is entitled to one free credit report annually from each of the three major credit reporting bureaus, Equifax, Experian, and TransUnion. To order a free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. Consumers may also directly contact the three major credit reporting bureaus listed below to request a free copy of their credit report.

Consumers have the right to place an initial or extended “fraud alert” on a credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If consumers are the victim of identity theft, they are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should consumers wish to place a fraud alert, please contact any of the three major credit reporting bureaus listed below.

As an alternative to a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prohibit a credit bureau from releasing information in the credit report without the consumer’s express authorization. The credit freeze is designed to prevent credit, loans, and services from being approved in a consumer’s name without consent. However, consumers should be aware that using a credit freeze to take control over who gets access to the personal and financial information in their credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application they make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, consumers cannot be charged to place or lift a credit freeze on their credit report. To request a credit freeze, individuals may need to provide some or all of the following information:

1. Full name (including middle initial as well as Jr., Sr., II, III, etc.);
2. Social Security number;
3. Date of birth;
4. Addresses for the prior two to five years;
5. Proof of current address, such as a current utility bill or telephone bill;
6. A legible photocopy of a government-issued identification card (state driver’s license or ID card, etc.); and
7. A copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft if they are a victim of identity theft.

Should consumers wish to place a credit freeze or fraud alert, please contact the three major credit reporting bureaus listed below:

Equifax Experian TransUnion
https://www.equifax.com/personal/credit-report-services/ https://www.experian.com/help/

https://www.transunion.com/credit-help
1-888-298-0045 1-888-397-3742 1-800-916-8800
Equifax Fraud Alert, P.O. Box 105069 Atlanta, GA 30348-5069 Experian Fraud Alert, P.O. Box 9554, Allen, TX 75013 TransUnion Fraud Alert, P.O. Box 2000, Chester, PA 19016
Equifax Credit Freeze, P.O. Box 105788 Atlanta, GA 30348-5788 Experian Credit Freeze, P.O. Box 9554, Allen, TX 75013 TransUnion Credit Freeze, P.O. Box 160, Woodlyn, PA 19094

Additional Information

Consumers may further educate themselves regarding identity theft, fraud alerts, credit freezes, and the steps they can take to protect their personal information by contacting the consumer reporting bureaus, the Federal Trade Commission, or their state attorney general. The Federal Trade Commission may be reached at: 600 Pennsylvania Ave NW, Washington, DC 20580; www.identitytheft.gov; 1-877-ID-THEFT (1-877-438-4338); and TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. Consumers can obtain further information on how to file such a complaint by way of the contact information listed above. Consumers have the right to file a police report if they ever experience identity theft or fraud. Please note that in order to file a report with law enforcement for identity theft, consumers will likely need to provide some proof that they have been a victim. Instances of known or suspected identity theft should also be reported to law enforcement and the relevant state attorney general. This notice has not been delayed by law enforcement.

For District of Columbia residents, the District of Columbia Attorney General may be contacted at: 400 6th Street, NW, Washington, DC 20001; 1-202-442-9828; and oag.dc.gov.

For Maryland residents, the Maryland Attorney General may be contacted at: 200 St. Paul Place, 16th Floor, Baltimore, MD 21202; 1-410-576-6300 or 1-888-743-0023; and https://www.marylandattorneygeneral.gov/.

For New Mexico residents, consumers have rights pursuant to the Fair Credit Reporting Act, such as the right to be told if information in their credit file has been used against them, the right to know what is in their credit file, the right to ask for their credit score, and the right to dispute incomplete or inaccurate information. Further, pursuant to the Fair Credit Reporting Act, the consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information; consumer reporting agencies may not report outdated negative information; access to consumers’ files is limited; consumers must give consent for credit reports to be provided to employers; consumers may limit “prescreened” offers of credit and insurance based on information in their credit report; and consumers may seek damages from violators. Consumers may have additional rights under the Fair Credit Reporting Act not summarized here. Identity theft victims and active-duty military personnel have specific additional rights pursuant to the Fair Credit Reporting Act. We encourage consumers to review their rights pursuant to the Fair Credit Reporting Act by visiting www.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf, or by writing Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave NW, Washington, DC 20580.

For New York residents, the New York Attorney General may be contacted at: Office of the Attorney General, The Capitol, Albany, NY 12224-0341; 1-800-771-7755; or https://ag.ny.gov.

For North Carolina residents, the North Carolina Attorney General may be contacted at: 9001 Mail Service Center, Raleigh, NC 27699-9001; 1-877-566-7226 or 1-919-716-6000; and www.ncdoj.gov.

For Rhode Island residents, the Rhode Island Attorney General may be reached at: 150 South Main Street, Providence, RI 02903; 1-401-274-4400; and www.riag.ri.gov. Under Rhode Island law, individuals have the right to obtain any police report filed in regard to this event.
STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT A MINOR DEPENDENT’S PERSONAL INFORMATION

Typically, credit reporting agencies do not have a credit report in a minor’s name. To find out if a minor has a credit report or to request a manual search for a minor’s Social Security number each credit bureau has its own process. To learn more about these processes or request these services, consumers may contact the credit bureaus by phone, writing, or online:
Equifax Experian TransUnion
https://www.equifax.com/personal/help/article-list/-/h/a/request-child-credit-report/
https://www.experian.com/help/minor-request.html
https://www.transunion.com/fraud-victim-resources/child-identity-theft

1-800-685-1111 1-888-397-3742 1-800-916-8800
P.O. Box 105788
Atlanta, GA 30348-5788 P.O. Box 9554
Allen, TX 75013 P.O. Box 2000
Chester, PA 19016

To request information about the existence of a credit file in a minor’s name, search for a minor’s Social Security number, place a security freeze or fraud alert on a minor’s credit report (if one exists), or request a copy of a minor’s credit report consumers may be required to provide the following information:
● A copy of their driver’s license or another government issued identification card, such as a state identification card, etc.;
● Proof of address, such as a copy of a bank statement, utility bill, insurance statement, etc.;
● A copy of the minor’s birth certificate;
● A copy of the minor’s Social Security card;
● The minor’s full name, including middle initial and generation, such as JR, SR, II, III, etc.;
● The minor’s date of birth; and
● The minor’s previous addresses for the past two years.

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