Laws About Uninsured Driver Accidents in North Carolina
According to a report by WSOCTV.com, the number of uninsured drivers on North Carolina streets continues to rise each day. This phenomenon affects thousands of North Carolina drivers, especially if a driver has the misfortune of being involved in an accident with one of these individuals. To figure out your compensation options if you have been hit by an uninsured driver, you must first examine your own
The state of North Carolina requires that auto insurance companies include coverage against uninsured motorists. This is meant to cover personal injuries and property damages that results from an accident where the at-fault driver is without automobile insurance. You initially must prove the driver’s lack of insurance. This is generally done with two documents:
- A North Carolina Department of Motor Vehicles document that names the last known insurance company for the vehicle; and
- Documentation from the last known insurance company stating that they did not ensure the vehicle on the date of the accident in question.
Once you have these documents in hand, you can file a claim against your insurance company. It’s important to note that your insurer must abide by certain rights and responsibilities when dealing with you. In addition, you must abide by certain rights and responsibilities when dealing with your insurance company. The company has a fiduciary duty to deal with you in good faith and you have a duty to cooperate with the insurance company and provide all requested documentation. You also have the right to be represented by an automobile accident lawyer throughout the process.
When seeking a claim in relation to an uninsured motorist accident, it’s important to consider a few nuances that are specific to North Carolina law.
- You and your insurance company may become adversaries in this type of case, where you are seeking compensation for your injuries and the company is seeking to find a reason not to pay. Do not make the mistake of expecting an automatic payout just because the claim is against your own insurance company. It may prove necessary to secure the services of an attorney to receive adequate compensation.
- North Carolina is a “no contact” state, which means that uninsured motorist coverage only applies if there was actual contact between your car and the uninsured vehicle.