What Is An Uninsured Motorist Claim?

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Getting into a car accident is already a tough and stressful situation, but it gets even harder when the other driver doesn’t have insurance to cover the damages. That’s where uninsured motorist coverage comes in. By having this add-on, you can better protect yourself on the road and ensure appropriate compensation should you be involved in unfortunate circumstances.

What Type of Claim Is This?

An uninsured motorist claim is a type of insurance claim that helps you get money if you’re in a car accident caused by someone who doesn’t have any insurance. This claim acts as a safety net when the at-fault driver cannot properly compensate you for your injuries, property damage or other losses resulting from the accident. If you have uninsured motorist coverage in your own car insurance, you can make a claim with your insurance company and they’ll take care of paying for the damages, but only up to the policy limits.

Without this coverage, you could end up having to pay for your own medical bills, fixing your car, and other damages. Having uninsured motorist coverage gives you peace of mind and makes sure you have the money you need to get back on your feet after an accident. 

Policy Limits And Coverage Variations 

The rules and coverage for uninsured motorist claims can vary depending on your insurance policy but typically if your car accident is in North Carolina you will be afforded minimum limits according to North Carolina law. Carefully read and understand your policy to know what’s covered and what’s not. Some policies might have extra options, like underinsured motorist coverage, which helps when the person who caused the accident doesn’t have enough insurance to pay for everything.

Need Help Filing For An Uninsured Motorist Claim?

If you or a loved one has been severely injured, don’t delay – call (800) 529-0804 right now for a free consultation with an experienced car accident lawyer. When dealing with a stressful situation, you need a knowledgeable team to guide you through the recovery process. Contact Tatum & Atkinson, PLLC right away! There is no obligation, and it will not cost you anything to learn about your legal possibilities for pursuing compensation.



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