Uninsured & Underinsured Motorists
Charlotte auto accident lawyer helping you recover from insurance companies
If you or your loved ones were injured in an accident caused by an uninsured, under-insured or hit-and-run driver, the Law Offices of Brian deBrun PLLC is committed to guiding you through this difficult situation to obtain the compensation you need. These unexpected accidents often leave victims injured, overwrought and bewildered about how to obtain needed compensation. We provide compassionate support and guidance to make this difficult process easier, dealing with insurance companies on your behalf to obtain the maximum compensation possible.
Minimum liability insurance requirements in North Carolina
Under North Carolina law, the registered owner of an automobile must maintain continuous liability insurance coverage that meets minimum requirements of 30/60/25, as follows:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage
Uninsured and underinsured motorist coverage
Although minimum liability insurance is mandatory, there are still many drivers who fail to carry insurance as required. To combat this, North Carolina law also requires drivers to carry uninsured motorist (UM) coverage, which covers you, your family and passengers if you are in an accident caused by a hit-and-run driver or a driver with no insurance. As with liability insurance, the minimum coverage is 30/60/25.
Even when a driver does have the minimum policy, this small amount is often insufficient to cover costly medical bills. Underinsured motorist (UIM) coverage, which is required for certain drivers, helps cover the costs of your injuries — but not property damage — if you are in an accident caused by a driver with too little insurance. UIM coverage ranges from 30/60 to up to $1,000,000 per person and per accident.
Recovering compensation from insurance companies
Figuring out which policy covers your accident can be extremely complicated and confusing. In addition, whether you are trying to recover compensation from the negligent driver’s insurer or your own policy, you may have difficulty obtaining a fair settlement. Insurance companies are businesses out to make a profit, and they do so by undervaluing or denying justified claims.
When you are injured in an accident caused by an uninsured, hit-and-run or underinsured driver, our attorney and staff work diligently to help you recover the compensation you need. As experienced personal injury attorneys, we understand the real value of your claim and we deal with insurance companies on a regular basis, giving us insight into their decisions on policy claims. With more than 50 years of combined experience, our lawyer and staff have the skill and expertise to help you recover compensation up to your policy limits.
Seek an experienced attorney for help getting the insurance settlement you deserve
At the Law Offices of Brian deBrun, we aggressively protect your rights to a full and fair settlement by thoroughly investigating your injury accident and bringing professionalism and legitimacy to your insurance claim. To learn more about how we assist car accident victims, call us at 704-412-4258 or contact us online for a free initial consultation.