Getting into a car accident is stressful enough, but finding out the other driver doesn’t have insurance can make things even harder. You might worry about how to pay for medical bills, car repairs, or lost wages. Our uninsured motorist accident lawyers in Charlotte are here to help.
At CR Legal Team, we have served over 200,000 clients from all walks of life. With over 100 years of combined legal experience, we know how to make your voice heard before the insurance company.
Our car accident lawyers in Charlotte always represent your best interests. We Stand Up For You®. Call today for a free initial consultation.
Our Charlotte Uninsured Motorist Accident Lawyers Offer Whole-Person Legal Care™
Our Charlotte personal injury lawyers believe that true recovery means helping you heal in every way. We take the time to understand your full situation, not just your legal needs.
Our Team helps connect you with medical care, supports you through the financial challenges that follow an accident, and checks in on your overall well–being throughout the process. From helping with doctor’s appointments to making sure you’re treated with compassion and respect, we offer Whole-Person Legal Care™.
North Carolina Is an At-Fault Auto Insurance State
In North Carolina, the driver who caused the accident is responsible for paying for the damages. After a crash, the at-fault driver’s insurance company is typically required to cover medical expenses, lost wages, vehicle repairs, and other related costs for those injured.
However, things can get complicated when the driver at fault doesn’t have insurance or doesn’t have enough to cover your losses. In those situations, you may need to turn to your own uninsured or underinsured motorist coverage for help. An experienced Charlotte uninsured motorist accident lawyer from our Team will review your options for compensation.
Let Us Deal With the Insurance Company
After an uninsured motorist accident, it might seem natural to trust your insurance company to take care of everything; after all, you’ve paid your premiums for years. But insurance companies are businesses focused on protecting their bottom line. Even your own insurer may try to minimize your payout or deny parts of your claim to save money.
Common tactics claim adjusters use to devalue claims include:
- Downplaying your injuries: They may suggest your injuries aren’t as serious as you say or are unrelated to the accident.
- Delaying payment: Prolonging the claims process to pressure you into accepting a smaller settlement.
- Requesting unnecessary recorded statements: Using your words against you to reduce the payout.
- Offering quick, low settlements: Encouraging you to settle before you know the full extent of your medical costs.
- Questioning medical treatment: Claiming that certain doctor visits or treatments aren’t necessary or reasonable.
- Blaming you: Suggesting you were partially at fault to lower your claim.
- Minimizing property damage: Underestimating the cost of vehicle repairs or replacement.
Speak with an experienced uninsured motorist accident lawyer in Charlotte before accepting any offer. At CR Legal Team, we handle the insurance company for you so that you can focus on what matters most: healing.
Click to contact our Car Accident Lawyers in Charlotte today.
Navigating North Carolina’s Contributory Negligence System
North Carolina follows a strict contributory negligence system, which means that if you are found even slightly at fault for an accident, you may be barred from recovering any compensation.
This rule makes handling personal injury and uninsured motorist claims particularly complicated. Even a small mistake, like misjudging a turn or failing to signal, could impact your ability to recover damages.
Getting through this system requires careful attention to detail, strong evidence, and skilled legal guidance. Our experienced Charlotte uninsured driver lawyers will help demonstrate your limited or no-fault status and maximize your chances of receiving full compensation.
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North Carolina Has a Statute of Limitations for Personal Injury Lawsuits
If you decide to sue the at-fault driver, you only have a limited time to do that. According to N.C. Stat. § 1-52(5), you usually have three years to file a personal injury lawsuit. This deadline applies to traffic accidents as well, including uninsured motorist crashes. If you don’t meet the statute of limitations, you may not recover all your losses.
In some situations, the usual deadline for filing a claim can change. Certain exceptions may give you more time to take legal action. Speaking with an experienced Charlotte uninsured motorist accident lawyer immediately is the safest way to know the exact timeline for your case and make sure all paperwork is completed correctly and submitted on time.
Why Hire an Experienced Uninsured Motorist Accident Attorney in Charlotte
When the at-fault driver doesn’t have insurance, you may need to rely on your own coverage, which often involves detailed paperwork, strict deadlines, and negotiations with insurance companies that want to pay as little as possible.
As experienced Charlotte uninsured motorist accident attorneys, we will guide you through the process, protect your rights, and fight to make sure you receive full compensation.
With our skilled lawyers on your side, you don’t have to face the insurance company alone; you have someone who understands the law and will advocate for your complete recovery.
Call CR Legal Team Today
At CR Legal Team, we handle uninsured motorist cases on a contingency fee basis. This means you won’t owe us anything upfront, and we only receive payment if we successfully recover compensation for you.
You can schedule a free consultation with one of our uninsured driver attorneys in Charlotte today; there’s no obligation and no cost to speak with us. Call now to get started.
