Jacksonville Uninsured Motorist Lawyer

Uninsured Motorist Claims in Jacksonville, NC

Being involved in a car accident is stressful enough, but when the at-fault driver is uninsured or underinsured, recovering compensation becomes even more complicated. At David and Associates Injury Attorneys, we help clients navigate uninsured motorist claims so they can receive the financial support they deserve. If you’ve been hit by an uninsured driver in Jacksonville, NC, or anywhere throughout Onslow County, call us today for a free consultation.

Uninsured Motorist Car Accidents

North Carolina law requires drivers to carry insurance, but not everyone follows the rules. If a car accident involves an uninsured motorist, you may still have options to recover damages. Numerous drivers have uninsured motorist coverage included in their policies, which can assist in paying medical expenses and property damage when the at-fault driver does not have insurance.

How Can a Car Accident Attorney Help Me with My Claim?

Filing an insurance claim after an uninsured motorist accident isn’t always straightforward. Insurance companies will often dispute claims or even offer low settlements. Our uninsured motorist accident lawyers can handle everything from negotiating with insurance companies to ensuring all paperwork is properly filed. We work to recover damages for medical costs, lost income, and emotional distress.

Should You Have Uninsured/Underinsured Motorist Coverage

Possessing uninsured and underinsured motorist coverage can safeguard you financially if you get into an accident with a driver who does not have insurance coverage. These policies assist in covering:

• Healthcare costs arising from the incident
• Repairs for property damage caused by uninsured motorists
• Income loss if you cannot work
• Extra costs associated with your injuries

What Do I Do If an Uninsured or Underinsured Driver Hits Me?

If you find yourself in an accident with an uninsured driver, follow these steps:

• Contact the police and record the incident
• Share details with the other driver
• Inform your insurance provider regarding the incident.
• Pursue medical care even if wounds appear insignificant.
• Seek advice from an uninsured motorist lawyer to review your choices

What Automotive Insurance Is Required in North Carolina?

North Carolina law mandates drivers to carry liability insurance, but many don’t. The minimum coverage requirements include:

• $30,000 per person for bodily injury
• $60,000 per accident for total injuries
• $25,000 for property damage

Unfortunately, these limits may not be enough to cover severe injuries, making underinsured motorist coverage essential for financial protection.

The Truth About Uninsured Motorist Coverage

Many drivers assume that their insurance policy will fully protect them after an auto accident, but standard coverage may not be enough. Without uninsured motorist insurance, you might have to cover medical bills and repairs by yourself. Reviewing your policy and comprehending what is included is crucial before an accident occurs.

What Does Uninsured Motorist Coverage Include?

Policies for uninsured motorists generally include coverage for:

• Healthcare expenses and recovery expenses
• Income disruption due to injuries that hinder your ability to work
• Compensation for your pain and suffering
• Costs for vehicle repairs if uninsured motorist property damage is relevant

How Does Uninsured Motorist Coverage Actually Work?

If you are struck by a driver who lacks car insurance, your insurance provider will intervene to pay for the damages, up to the limits of your policy. This can help yourecoupg expenses without waiting for the at-fault driver to pay out of pocket.

Do You Need Uninsured Motorist Coverage in North Carolina?

North Carolina requires all drivers to carry uninsured motorist coverage to protect against financial loss in an accident. However, underinsured motorist coverage is optional but highly recommended.

Contact an Uninsured Motorist Lawyer in Jacksonville, NC

Have you been in an accident with an uninsured or underinsured driver? Let David and Associates Injury Attorneys help you secure the compensation you need. Contact us today for a free consultation and let’s discuss your legal options.