Although the law requires all drivers to carry liability insurance, a concerning number of drivers in Raleigh are uninsured. This can cause significant problems when uninsured drivers cause accidents and are unable to pay for the injuries they cause. The result is that an uninsured motorist accident can leave you on the hook for thousands in medical bills and other expenses.
If you’ve been in an accident with an uninsured driver, you need to speak to an uninsured motorist accident lawyer in Raleigh from CR Legal Team. An attorney from our firm can help you file an uninsured motorist claim and seek alternative avenues to recover financial compensation.
We successfully recovered billions of dollars for over 200,000 deserving clients in our 36 years in business. Contact our offices today to see how an experienced car accident lawyer in Raleigh can help you.
Why You Need a Personal Injury Lawyer After an Uninsured Driver Accident
A Raleigh personal injury lawyer can be an invaluable asset after an accident with an uninsured driver. Insurance companies are notorious for the tactics they use to avoid paying, and your injuries may impact your day-to-day functioning.
Your lawyer can handle the entire process of filing an insurance claim for you, ranging from initial investigations to final settlement negotiations. They have experience confronting insurers and will protect your ability to recover the greatest amount of compensation.
If necessary, your lawyer can file a formal lawsuit and represent you during trial. Our attorneys at CR Legal Team are familiar with managing injury claims for serious accidents and can even help you manage your medical appointments to get the care you need.
How Does Uninsured Motorist Coverage Work in Raleigh?
North Carolina uses a tort-based system for car accidents, so you typically file a claim against the at-fault driver’s insurance policy. When the driver is uninsured, you instead file a claim with your own auto policy’s uninsured motorist (UM) coverage.
UM coverage is an addition to your standard auto policy that will pay for your injuries if the other driver is uninsured. Filing a UM claim is largely the same as filing a typical at-fault claim, except your insurance company plays the role of the at-fault driver’s provider.
UM coverage will pay for your injury losses up to the policy limits, including losses such as:
- Medical bills and continuing medical expenses
- Lost work income and employment compensation
- Reduced earning capacity from disability
- Out-of-pocket injury expenses
- Pain and suffering, emotional distress, and mental anguish
- Discomfort and inconvenience from scarring and disfigurement
Other Options for Financial Compensation After an Uninsured Motorist Collision
UM coverage is mandatory in North Carolina, but it may be insufficient on its own to cover the extensive injuries and property damage caused by car accidents.
If your UM coverage doesn’t provide enough to cover your losses, an uninsured motorist accident lawyer in Raleigh can explore other options for financial compensation:
- MedPay. MedPay coverage provides no-fault coverage and will pay for reasonable medical costs after an accident, regardless of who caused it. MedPay can pay for medical bills, but won’t cover lost work income or pain and suffering after a crash.
- Direct Lawsuit. You could also file a lawsuit directly against the at-fault driver. Since they don’t have insurance, they could be personally liable to pay for damages. However, the uninsured driver may not have sufficient personal assets to cover your losses.
Our legal process for uninsured motorist accidents will begin with a thorough investigation of the accident and an assessment of your insurance coverage. We are adept at finding insurance money and will explore every option to recover the maximum possible amount.
Click to contact our Car Accident Lawyers in Raleigh today.
How Long Do I Have to File a Lawsuit for an Uninsured Driver Accident in Raleigh?
According to North Carolina’s statute of limitations, you have three years to file a lawsuit for injuries due to an uninsured driver. The three-year countdown starts on the date of the accident.
The three-year marker is an absolute time limit on your ability to recover compensation. Once it expires, you’ll lose your ability to pursue damages and won’t be able to sue to recover your injury-related losses.
As a result, you should start working with an attorney as soon as possible to minimize the risk of payment delays and complications.
Complete a Free Case Evaluation form now.
Contact a Raleigh Uninsured Motorist Accident Lawyer
An uninsured motorist can turn a regular car accident into a nightmare to pursue and litigate. An experienced lawyer from CR Legal Team can help you navigate the aftermath of an uninsured motorist accident and find the compensation you need. We Stand Up For You® and Do What’s Right, no matter the circumstances.
Contact our offices online or call today to schedule a free case consultation with an uninsured motorist accident lawyer in Raleigh. Take advantage of our Whole-Person Legal Care™ to get maximum compensation after being injured by an uninsured driver.
