Uninsured / Underinsured Motorist Claims

It is generally believed that uninsured North Carolina drivers cause more accidents than insured North Carolina drivers and that those accidents cause the greatest damages. Uninsured Motorists Coverage compensates you for amounts that you might be legally entitled to recover as damages from the owner or driver of an uninsured motor vehicle. Uninsured Motorists Coverage usually is offered in the same amount as Bodily Injury Liability Coverage. Uninsured Motorists Coverage pays for injuries to you, your spouse, resident relatives and guest passengers riding in your car at the time of the accident. 

If you are in an accident that results in bodily injury to you, your spouse, resident relatives, or guest passengers and the costs are greater than the at-fault driver's auto policy limits, Underinsured Motorists (UIM) Coverage may provide additional compensation for the injuries. Under most policies, you must first demonstrate that the liability policies of all other responsible parties have been exhausted. This includes the liability limits of insured drivers who were at fault, tavern owners, if applicable, UIM claims, if applicable, and any other liability policies of any responsible parties.   If, after exhausting all other applicable liability policies, you have not been fully compensated and the UIM limits exceed the amount that has been collected, then a UIM claim may proceed. 

If you or a loved one has been seriously injured or died in a car accident involving an uninsured or underinsured motorist, contact us. We are personal injury lawyers who are committed to protecting the rights of individuals just like you and we know how to work with insurance company lawyers. Don't get the runaround - get results from Bain & Rodzik.