Accidents happen when we least expect them, and the aftermath can be even more stressful when the other driver is uninsured. In North Carolina, where approximately 6.4% of drivers are uninsured, navigating these situations can feel overwhelming. That’s where the experienced lawyers at Ted A. Greve & Associates, with their track record in handling uninsured motorist claims, can help you. Our uninsured motorist lawyers in Gastonia, NC, are here to help you understand your rights, secure compensation, and regain peace of mind after an accident so you can focus on the most important part of the process: healing.
Understanding Uninsured Motorist Claims in Gastonia, NC
Uninsured motorist claims arise when the at-fault driver in an accident lacks the legally required insurance to cover damages. North Carolina mandates drivers carry at least $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 for property damage. When drivers fail to meet these requirements, usually due to financial constraints, they leave car accident victims relying on uninsured motorist coverage for compensation.
Uninsured motorist coverage is a vital safety net included in all North Carolina auto insurance policies. However, navigating the claims process can be complex. From gathering evidence to negotiating with insurance companies, having an experienced attorney can make all the difference.
Why Every Gastonia Driver Should Be Aware of Uninsured Motorist Risks
Uninsured motorists pose significant risks on the road. Without proper insurance, these drivers leave accident victims financially vulnerable. Consider these facts:
- North Carolina ranks among the top states for financial responsibility compliance, yet uninsured drivers still account for substantial claims annually.
- The average uninsured motorist claim is $20,000, excluding vehicle repair costs.
Prior to March 2024, North Carolinians were allowed to “stack” their uninsured motorist insurance policies in order to increase their amount of coverage. By stacking, they could use the policy limits from more than one vehicle on which they were the named insured to increase the policy limit. However, the North Carolina Supreme Court determined that stacking is no longer allowed in an opinion that overturned a 2022 appeals court decision.
Regardless of the available compensation outlets, drivers should always review their insurance policies and understand the importance of uninsured motorist coverage.
The Hidden Dangers of Uninsured Motorists
When victims are involved in an accident with an uninsured driver, they often face severe financial burdens and delays in receiving necessary compensation due to the driver’s failure to get proper insurance.
For many of these drivers, the problems are compounded by their usual failure to meet other legal requirements, such as having valid licenses or undertaking vehicle inspections. What’s more, uninsured drivers are statistically more likely to engage in reckless behavior, further endangering others on the road. For these reasons, having uninsured motorist coverage and understanding its role is essential to safeguarding yourself against unforeseen consequences.
Why You Need an Uninsured Motorist Lawyer in Gastonia
While insurers are required to include uninsured motorist coverage in policies, securing fair compensation for your injuries against such drivers is not easy, as insurance companies may dispute claims, delay payments, or offer lowball settlements.
An uninsured motorist lawyer has experience with:
- Investigating the accident to establish liability
- Gathering evidence to support your claim
- Negotiating with insurance companies to secure maximum compensation
- Representing you in court if a fair settlement cannot be reached
By partnering with a skilled attorney, you can focus on recovery while protecting your rights and recovering the damages you deserve for your injuries.
Types of Compensation You May Be Entitled To
Victims of accidents caused by uninsured drivers may be entitled to various types of compensation. Understanding these rights can help you build a strong case and recover the damages you deserve. Compensation may include:
Medical Expenses
Accidents often result in costly medical bills, from emergency room visits to ongoing treatments. An uninsured motorist lawyer can help you recover expenses for:
- Hospital stays
- Surgery and specialist visits
- Physical therapy and rehabilitation
Lost Wages and Future Earnings
Injuries sustained in an accident may prevent you from working temporarily or permanently. Compensation can cover:
- Lost wages during recovery
- Reduced earning capacity due to long-term injuries
Pain, Suffering, and Emotional Distress
Beyond physical injuries, accidents can leave emotional scars. Compensation may address:
- Psychological trauma
- Loss of enjoyment of life
- Long-term emotional impacts
Property Damage and Other Expenses
While compensation can cover repair or replacement costs and other out-of-pocket expenses related to the accident, the money an injured person can obtain from an uninsured motorist will likely be significantly less than one from a properly insured motorist. One of the reasons they don’t have insurance is probably a shortage of funds. An experienced attorney can help you determine whether filing a lawsuit would be appropriate.
Understanding the Difference Between Uninsured and Underinsured Motorist Coverage
While uninsured motorist coverage addresses situations where the at-fault driver has no insurance, underinsured motorist coverage applies when their insurance limits are insufficient to cover your damages. North Carolina requires uninsured motorist coverage but does not mandate underinsured motorist coverage unless higher-than-minimum limits are purchased.
If your damages exceed the at-fault driver’s policy limits, underinsured motorist coverage can provide additional compensation. An attorney can help you navigate this distinction and ensure all avenues of compensation are pursued.
The Vital Role of a Specialized Uninsured Motorist Lawyer in Gastonia, NC
The lawyers at Ted A. Greve and Associates understand the nuances of North Carolina insurance laws and can:
- Ensure compliance with filing deadlines and legal requirements.
- Advocate for your rights against insurance companies.
- Guide stacking policies for additional compensation.
- Represent your interests with professionalism and dedication.
Having a trusted attorney by your side can significantly increase your chances of a favorable outcome.
Choose the Right Uninsured Motorist Lawyer in Gastonia, NC
At Ted A. Greve & Associates, we’re committed to confidently helping accident victims navigate uninsured motorist claims. Our team brings years of experience, personalized attention, and a deep understanding of North Carolina laws to every case. Best of all, there is no fee for our services unless we secure compensation for you.
If you’ve been involved in an accident with an uninsured driver, don’t face the challenges alone. Contact us today for a free case review. Together, we’ll work to secure the compensation you deserve and help you move forward with peace of mind.
