If you were injured by an uninsured or underinsured driver, getting compensation may be difficult. At Maynard & Harris Attorneys at Law, PLLC, we will help you identify every avenue for compensation, then maximize your claim. For help, contact us now at 866-912-8731. Consultations are free and cases are handled on a contingency — you won't pay any attorneys fees until we recover compensation for you.
What Do You Do If You Were Hit By An Uninsured Or Underinsured Driver?
In North Carolina, if you are in any way at fault for an auto accident, you cannot recover the full amount to pay for pain and suffering, medical bills, lost wages, etc. Even if you are not at fault you can typically collect only up to the insurance limits of the driver(s) who were liable.
But what do you do if you were hurt because of the negligence of an underinsured or uninsured motorist? People must have basic insurance unless they opt out — around 7% of drivers are uninsured in North Carolina. If you are injured because of their actions, you must file an uninsured motorist claim with your own insurance company.
There are also many underinsured drivers that do not have enough insurance to cover an accident. If a driver does not have medical payments coverage, even reasonable necessary medical bills of $500-$5000 may not be covered.
Stacking Policies Can Be the Answer
If the person to blame for the accident does not have sufficient insurance, you have options. North Carolina has very liberal laws about stacking insurance policies — that is, getting compensation for all the insurance policies owned in a household. If the negligent driver lives with a brother, sister, aunt or other relative, you can add all of their insurance policies together and get compensation from all of them.
You Need A Lawyer With Inside Insurance Knowledge
When auto accidents involve underinsured and uninsured motorists, a host of complex legal issues follow. Your lawyer needs extensive knowledge of insurance law to handle them effectively.
Our firm is well-known for our knowledge in insurance matters. Douglas Maynard worked as an insurance adjuster before becoming a personal injury lawyer and is often asked to give seminars about insurance issues. His inside insight into insurance companies is a direct benefit to you when pursuing compensation after an accident.
Discuss Your Options In A Free Consultation
Are you confused by the laws surrounding underinsured and uninsured motorists? You are not alone. These are complex matters. The best thing you can do is to contact an experienced lawyer. To discuss your options free of charge call 336-793-1758 or 866-912-8731. Se habla español.