More and more North Carolina drivers are operating their vehicles without insurance every day (WSOCTV.com). If you get into an auto accident with one of these uninsured motorists, you will have to turn to your own insurance to see what kind of coverage you have for these sort of situations. North Carolina law dictates that car insurance companies must offer UIM (uninsured/underinsured motorist) coverage to address any damages and injuries that might occur in an accident with an uninsured driver. You will have to prove that the other driver does not have insurance with a DMV document listing the last known insurance company for that vehicle or with documentation from the last known insurance company that states that the vehicle was not insured when the accident occurred. These documents will allow you to file a claim with your insurance.
There are some laws, specific to North Carolina, that you should be aware of in a UIM case. NC is a no contact state, which means that UIM coverage will only apply if there was contact between the two vehicles. Thus, if an uninsured driver caused an accident that affected you, but your vehicle did not contact that driver’s vehicle, then you cannot recover with UIM insurance. Your insurance company may end up fighting you to avoid paying the damages, and it may be necessary to hire an auto accident attorney to fight on your behalf for fair compensation.