When another driver doesn't have insurance, you can try to convince them not to call the police. However, a police report of the accident is essential to your claim, as it is one of the most effective tests to show that you were not at fault. Contact the police as soon as possible, no later than 24 hours after the accident. After being involved in an accident with an uninsured or underinsured motorist, you have a responsibility to notify your insurance company.
You may be asked to make a recorded statement describing your claim. If you were injured in a North Carolina car accident caused by another driver, you can assume that the at-fault party will cover your expenses and losses. Therefore, you should consider the passage of time and how you could be hurting your chances of financial recovery by waiting longer than the time limit to file a lawsuit in North Carolina. If an uninsured or underinsured driver injured you in an accident, you'll be relieved to know that North Carolina has legislation to protect victims of these types of accidents.
Also, it's important to remember that, in North Carolina, you can't sue your insurance company. In 2004, the North Carolina legislature prohibited the accumulation of coverage for uninsured or underinsured motorists in the event of an accident within the policy. If you are at fault for an accident, even partially, you cannot file a lawsuit in North Carolina to seek recovery for your losses. The main difference between coverage for uninsured and underinsured drivers is that coverage for uninsured drivers covers injuries and damages caused by a driver who has no insurance, while coverage for underinsured motorists pays for injuries and damages caused by a driver whose liability insurance coverage is too low to pay for the injuries and damages he caused.
In this blog post, we'll discuss the role of a criminal defense lawyer in North Carolina and how they can help you if you're facing criminal charges. According to the MVSFRA, any policy for uninsured or underinsured motorists will insure the named insured against losses “for damages that arise from the ownership, maintenance, or use of such motor vehicle.” Here, the North Carolina attorneys at Dewey, Ramsay and Hunt will explain the implications of not having insurance in North Carolina and your legal options if another driver caused the accident. If you are involved in an accident while driving around North Carolina without car insurance, don't make the situation worse by lying, running away, or hiding at the scene of the accident. In North Carolina, you may have the right to file a claim with coverage for uninsured drivers (UM) with your own car insurance company once you have confirmed that the at-fault driver does not have liability insurance or after a hit and run accident, when you have made every reasonable effort to locate the driver.
An uninsured vehicle can also be a vehicle that is not insured or a vehicle that is insured, but the insurance denies liability.