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

What to do After a Motorcycle Accident If You Don't Have Insurance in Concord, NC

Concord is the largest city in Cabarrus County. The city’s population is an estimated 107,697, which makes it the tenth largest city in North Carolina. It is home to some of North Carolina’s top tourist destinations, such as NASCAR’s Charlotte Motor Speedway and Concord Mills Mall.

Concord, NC, is also home to some of the most beautiful and scenic roadways in the state, which makes it a mecca for motorcyclists. However, accidents are bound to happen because of the high number of motorcycles on the road. And if you don’t have insurance, they can be even more devastating.

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

Steps to Take After a Motorcycle Accident in Concord, NC If You Don’t Have Insurance

You can take steps to protect yourself and your interests after a motorcycle accident, even if you don’t have insurance. These steps include:

  1. Get medical help immediately – If you are injured in a motorcycle accident, it is important to get medical attention immediately. Motorcycle accidents often cause more serious injuries than car accidents. Additionally, traumatic brain injuries and internal bleeding do not always manifest immediately. Getting medical treatment helps you document your injuries and prevent further injury.
  2. Contact a motorcycle accident attorney – An experienced motorcycle accident attorney can help you understand your legal rights and options and can also help you navigate the insurance claims process.
  3. File a police report – Filing a police report can also help document the details of the accident.
  4. Gather evidence – If you have a camera or phone, take pictures of the scene of the accident and any damage to your motorcycle or injuries you may have. You should also get the contact information of any witnesses to the accident.
  5. Keep track of expenses – Keep track of any medical bills, property damage repairs, and other costs related to the accident. This information can help document your damages for an insurance claim or personal injury lawsuit.

What NOT To Do After a Motorcycle Accident If You Don’t Have Insurance

You should avoid doing some things after a motorcycle accident if you don’t have insurance. These include:

  1. Don’t admit fault – It is important not to admit fault for the accident, even if you think you may have been at least partially responsible. Any admission of fault can be used against you by the other driver’s insurance company.
  2. Don’t sign anything – Don’t sign any documents from the other driver or their insurance company without first consulting with a personal injury attorney. These documents may release the other driver from liability or waive your right to file a personal injury claim.
  3. Don’t give a recorded statement – You should avoid giving a recorded statement to the other driver’s insurance company. Anything you say can be used against you, and it is often best to let your personal injury lawyer handle communications with the insurance company.

Is Motorcycle Insurance Required in Concord, NC?

Yes, like car insurance, motorcycle insurance is required in North Carolina. Motorcycle operators must carry:

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

Operators are also required to carry uninsured motorist coverage (UM) in the following amounts:

  • Bodily injury – $30,000
  • Property damage – $25,000

This insurance will help you if you are involved in a car crash or motorcycle accident with a driver who does not have insurance.

North Carolina does not require operators to carry underinsured motorist coverage (UIM). UIM coverage comes into play if the at fault driver who causes a crash, does not have enough coverage to pay for your medical bills, pain and suffering, and lost wages. In that scenario, you can tap into your UIM coverage to make up the difference and cover your damages. However, this is optional coverage that you must have purchased in advance of the collision. 

What Happens If I’m At Fault for an Accident in Concord and Don’t Have Insurance?

You may face significant financial burdens if you are at fault for a motorcycle accident and do not have insurance. These can include your medical expenses, property damage repairs, and other costs.

Additionally, without bodily injury liability insurance, you could be personally responsible for any injuries the other driver sustains and any legal fees should they sue you.

For all of these reasons, it is important to have adequate motorcycle insurance coverage in place before operating a motorcycle in Concord, NC. If you don’t have insurance and are involved in a motorcycle or car accident, a Concord car accident lawyer at The Law Offices of Jason E. Taylor can help you understand your legal options and rights.

Filing a Motorcycle Accident Claim in Concord, North Carolina When You Don’t Have Insurance

If the other driver is at fault for an accident and you don’t have insurance, their insurance company should cover your damages. However, if the other driver doesn’t have insurance or doesn’t have enough insurance to cover your damages, you may be left responsible for paying out of pocket for your own bills.

In this case, your best option may be to file a lawsuit against the other driver to recover the compensation you are owed. The personal injury attorneys at The Law Offices of Jason E. Taylor can help you understand your legal options and guide you through the process of filing a lawsuit.

It is important to note that North Carolina follows the contributory negligence rule regarding motorcycle accidents. This means that if you are even partially at fault for the accident, you will not be able to recover any damages from the other driver.

A motorcycle accident lawsuit can be filed in Concord, NC

Get Help From a Concord, NC Motorcycle Accident Lawyer

If you have been involved in a motorcycle accident and don’t have insurance, it is important to get help from an experienced motorcycle accident attorney. The Concord 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.

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