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Why Underinsured Motorist Coverage is Crucial

Auto insurance protects us in the event of an accident. Remember, if you are at fault in a car wreck, you are responsible for the victim’s expenses. Insurance prevents us from having to pay bills from out of pocket — bills for car repairs or medical fees. Alternatively, if we suffer injury in an accident through no fault of our own, we can count on the other driver’s insurance to take care of everything. Right?

Unfortunately, not always. North Carolina requires all drivers to carry uninsured motorist (UM) insurance. This provides you protection in case you are in an accident with an uninsured driver or are involved in a hit-and-run. Only some drivers are required to carry underinsured motorist (UIM) insurance, but all drivers are encouraged to purchase it.

Thousands of drivers in North Carolina carry only the minimum required amount of insurance, which is typically not enough to cover medical expenses. And, UIM insurance is one of the most important types of insurance you can have. An underinsured motorist is one whose insurance policy does not provide enough coverage to fully compensate you for your damages. Talk to any Charlotte underinsured motorist attorney and he will tell you that with UIM insurance, the benefits far outweigh the minimal policy costs.

Carrying the minimum required UIM benefits usually will not be enough if you or a family member suffers severe injury in an auto accident. However, if you have a good UIM policy, you will find that your own insurance company may pick up the remainder of damages that the other insurance company cannot.

Sadly, we find that many people discover they do not have enough UIM coverage until it is too late. If you are in an accident with an uninsured or underinsured motorist in Charlotte, contact your insurance company immediately to find out exactly what your policy covers. Then, contact an attorney to find out your next steps.

The Law Offices of Brian deBrun, PLLC works effectively and tirelessly to get you the compensation you deserve for your auto accident or injury. Call us at 704-412-4258 or contact us online to schedule a free consultation.

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