Being involved in a car accident can be traumatic, often resulting in injuries and damage to your vehicle. Auto insurance is designed to help you recover the damages and losses that occur in a crash, but when you’ve been hit by an uninsured driver, a Charlotte uninsured motorist accident lawyer can help you take steps to recover fair compensation.
An uninsured motorist makes recovery challenging, but uninsured motorist coverage exists to protect you when they can’t pay. At Auger & Auger, we know what it takes to recover damages from an uninsured motorist.
Contact us today to schedule a free consultation with a Charlotte car accident lawyer.
Legal Representation From A Charlotte Uninsured Motorist Accident Attorney For Insurance Claims
Dealing with your insurance company in the wake of an uninsured motorist auto accident may be problematic, especially when you have been seriously injured. Auger & Auger is here to help you recover fair compensation.
We can help make a difference between a favorable insurance settlement and one that leaves you without the resources needed to address your losses.
We’ll start by reviewing your auto insurance policy, answering all your questions, and advising you on what needs to be done to submit a successful claim. We’ll follow through with all the necessary steps involved in the claims process while you concentrate on putting your life back together.
An experienced car accident lawyer can help you determine whether filing an insurance claim is your best option for recovering compensation or if you would be better served by filing a lawsuit against the liable party.
Insurance Coverage Requirements In North Carolina
Uninsured motorist coverage can be applied to an accident in which you have been hit by an uninsured driver, as well as in certain circumstances of a hit-and-run.
This insurance coverage can pay for your medical expenses, lost earnings, and pain and suffering. A Charlotte personal injury lawyer can help you file a claim and recover the compensation you deserve.
While the number of uninsured drivers has decreased in recent years, it is still too high and remains a potential threat to all motorists and their passengers on the road.
North Carolina now requires that all drivers carry uninsured motorist coverage under General Statute § 20-279.21. This coverage protects you when you’ve been harmed by a driver without auto insurance.
Your auto insurance carrier is required to provide you with this coverage when you sign up for your auto insurance policy. In North Carolina, your uninsured motorist clause covers bodily injury and property damage for you, your family, and anyone traveling in your covered vehicle.
Filing A Personal Injury Lawsuit Against The Liable Party
An alternative option for recovering compensation after an accident with an uninsured motorist is to file a lawsuit against the liable party. If a driver is operating their vehicle without the required insurance coverage and causes an accident, they can be held personally liable for the resulting damages.
An experienced uninsured motorist accident attorney in Charlotte can help you file a lawsuit against the at-fault driver. Your lawyer will work to establish liability and determine the extent of your losses, then file the required paperwork for a personal injury lawsuit. We will ensure that all the necessary paperwork is submitted accurately and on time.
Our knowledgeable legal team will build your case as we prepare for court. Meanwhile, we will also engage in settlement negotiations with the liable party’s legal team as we work to reach a settlement deal that aligns with your needs. If we are unable to come to terms on a settlement, we will take your case to court, where we will present our arguments on your behalf.
Uninsured Motorist Coverage Minimums
The minimum insurance coverage required under an uninsured motorist policy starts at $25,000 and increases from there for property damage resulting from an accident caused by an uninsured motorist.
Coverage minimums for bodily injury start at $30,000 per person / $60,000 per accident and may increase up to $1,000,000 per person or accident.
Contributory Negligence In North Carolina
When pursuing compensation in Charlotte, it is important to remember that North Carolina uses a contributory negligence rule when assessing liability for an accident. What this means is that if you shared any responsibility for causing the accident to occur, you will be barred from claiming damages.
Even if you are only 1% to blame for the accident, the state’s contributory negligence rule will prevent you from pursuing damages. This strict standard for recovering compensation makes hiring an experienced uninsured motorist accident attorney serving Charlotte particularly critical.
Your lawyer can take steps to help prove that you did not share in the responsibility for causing the accident, protecting your right to seek compensation for your losses.
Contact An Experienced Uninsured Motorist Accident Lawyer Serving Charlotte Today
At Auger & Auger, we know how important uninsured motorist coverage can be in the event of an accident with an uninsured driver. We’ve been in the business of helping accident victims throughout North Carolina for the last three decades, and our lawyers have an average of 19 years of experience in personal injury law.
Our firm is dedicated to helping you obtain the legal compensation you need and deserve through insurance claims and lawsuits. In the case of accidents caused by uninsured motorists, we can help you recover damages through your uninsured motorist policy coverage with your own insurance company or by filing a lawsuit against the liable party directly.
We offer a free case review with one of our attorneys to help you get started. Contact us at any time of the day or night for professional and caring legal assistance.
