Uninsured Motorist Claims in Clinton, NC

Uninsured Motorist Claims in Clinton, NC

Car accidents can be stressful, but dealing with an uninsured driver adds another layer of complexity. If you're involved in an accident with an uninsured motorist in Wilmington, NC, you may be wondering about your options for recovering damages. At David and Associates Injury Attorneys, our experienced attorneys can guide you through the process of filing an uninsured motorist (UM) claim to ensure you receive the compensation you deserve.

What Is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is part of your auto insurance policy that protects you if you’re involved in an accident with a driver who lacks insurance. In many states, this coverage is required, while in others, it's optional. UM coverage can help pay for medical expenses, lost wages, and other damages resulting from the accident.

How to File an Uninsured Motorist Claim in NC

If you're in an accident caused by an uninsured driver, follow these steps to file a claim:

• Report the Accident – Notify law enforcement immediately and obtain an official accident report. This document is crucial for your claim.
• Gather Evidence – Take photos of the accident scene, vehicle damage, and any visible injuries. Collect witness statements if possible.
• Notify Your Insurance Company – Inform your insurer about the accident as soon as possible. Provide them with all necessary details to initiate your UM claim.
• Seek Medical Attention – Even if you feel fine, visit a doctor to document any injuries. Medical records are essential for your claim.
• Consult an Attorney – Insurance companies may try to minimize your payout. A skilled uninsured motorist lawyer at David and Associates Injury Attorneys can help protect your rights and maximize your compensation.

What Compensation Can You Recover?

Through an uninsured motorist claim, you may be eligible for:

• Medical expenses (hospital bills, rehabilitation, surgeries)
• Lost wages (compensation for time missed from work)
• Pain and suffering (emotional distress, reduced quality of life)
• Property damage (costs to repair or replace your vehicle)

Do You Need a Lawyer for an Uninsured Motorist Claim?

While you can file a UM claim on your own, insurance companies often try to reduce payouts or deny claims. An attorney at David and Associates Injury Attorneys can negotiate with insurers on your behalf and, if necessary, take legal action to secure the compensation you deserve.

If you've been in an accident with an uninsured driver in Wilmington, NC, don't navigate the claims process alone. Get in touch with us online or over the phone today for your personalized consultation and let us fight for the compensation you’re entitled to.