Involved In An Accident With An Uninsured Or Underinsured Driver?
At Northstate Auto Law in Wilkesboro, I represent people who have been in car crashes with uninsured or underinsured drivers. I’m Rodney Caudill, a proven injury lawyer with decades of experience in the insurance industry – experience that I can put to work for you.
In this article, you will learn:
- If you can recover financially from injuries suffered from an uninsured or underinsured driver
- What the deadline is to file your uninsured or underinsured claim
- Why you should hire an attorney immediately after getting in a crash with an uninsured or underinsured party
What Made You Interested In Being An Attorney?
I was running a claims company out in Texas when they decided they didn’t need me anymore, packed up my stuff and rather unceremoniously left it out front for me to pick up. My wife and I moved back to North Carolina, where she ended up buying a business, and I worked with her on insurance claims.
After about two years, I decided I wanted to get back into the industry, but I didn’t want to work for an insurance company. There are only two sides to this industry, so I decided to go to law school and become an attorney focusing on car crash cases.
Can I Recover Financially For My Injuries If I Was Hit By An Uninsured Or Underinsured Driver In North Carolina?
Yes, it is possible to recover financially for your injuries even if you were hit by an uninsured or underinsured driver in North Carolina.
If you can identify that there was actual physical contact between your vehicle and the party’s vehicle that doesn’t have insurance, you can call in your uninsured motorist coverage on your insurance policy. Your insurance company will then step in and cover that vehicle as if it was the insurance element.
If you’re involved in a collision where the other side doesn’t have a sufficient amount of insurance to cover your damages, then you would have the ability to file on your underinsured motorist coverage.
Is There A Deadline To File An Uninsured Or Underinsured Motorist Claim In North Carolina?
You technically have three years from the date of the crash to get a claim resolved or file a lawsuit in crashes involving an uninsured motorist. However, as you’re filing on your own policy, there is a requirement that you give notice as soon as you realize that the other vehicle doesn’t have any insurance or that you don’t know who the other vehicle is. In those cases, it’s best to give notice as soon as possible.
An underinsured motorist case is triggered when the other party’s insurance notifies your insurance of a tender of limits, which is to say that they are only able to pay out a certain amount that doesn’t cover your damages. The tender of limits triggers your ability to fine as an underinsured motorist.
What Happens If An Underinsured Or Uninsured Motorist Coverage Does Not Pay For All Of My Medical Bills Following A Crash?
If there’s a limited amount of insurance as compared to the amount of medical bills, there are state and federal laws that oversee how those funds are dispersed. This is so that the injured party still receives something even if there’s not enough money to cover all the medical bills. This is one of the primary reasons that you should hire an attorney in these cases – to ensure you’re getting the most compensation that’s available to you.
My Insurance Company Denied My Uninsured Or Underinsured Claim, Is There Anything I Could Do?
You should consult a lawyer immediately to help you navigate the process of uninsured or underinsured claims. This is because these claims require the injured party to do certain things. If you fail to meet these requirements, you can very easily lose your claim.