A car crash with an uninsured driver leaves you with more questions than answers. Medical bills pile up fast, missed paychecks add pressure, and the driver who caused it all often walks away without the insurance they were supposed to have. In just one recent year, Hickory saw 2,037 crashes, including seven fatalities and 711 injuries, and with about 10.3 percent of North Carolina drivers uninsured, the risk is higher than most people realize.
At Ted A. Greve & Associates, we step in when the system feels stacked against you. If you need an uninsured motorist lawyer in Hickory, NC, we’re ready to listen, explain your rights, and fight for the support you deserve, so you’re not left carrying the costs of someone else’s mistake. Contact us today to learn more in a free consultation.
Uninsured Motorist Claims in Hickory, NC
North Carolina law requires every driver to carry liability insurance, but reality tells a different story. According to the Insurance Research Council, across the country, about one in seven drivers is uninsured. In North Carolina, the numbers are slightly better, but not by much, with around one in 10 drivers on the road without coverage.
Even if you do everything right, you can still end up seriously hurt – and stuck with the costs – because someone else broke the rules.
Uninsured motorist (UM) coverage exists for exactly this reason. It steps in to cover:
- Medical expenses
- Lost income
- Pain and suffering
- Other damages you would have recovered from the at-fault driver if they had been insured
The challenge? Insurance companies often treat uninsured motorist claims like any other liability case. They look for ways to minimize what they owe, even when they’re their own policyholder. That’s why having the right car wreck lawyer matters from the start.
The Importance of Hiring an Uninsured Motorist Lawyer
Facing your own insurance company after a crash feels personal – and it is. You pay premiums for protection, not for a fight. But insurance companies protect their bottom line first, not yours. They don’t stay profitable by paying full settlements without a challenge.
An experienced uninsured motorist lawyer in Hickory, NC, will step in to:
- Communicate directly with your insurance company so you don’t have to
- Gather the right medical records, accident reports, and expert opinions to strengthen your case
- Push back against lowball settlement offers and pressure tactics
- Identify every insurance policy that could increase your total compensation
- Take your case to court when negotiations aren’t enough
At Ted A. Greve & Associates, we don’t treat your case like a number. We see you as a person with a future worth fighting for – and we’re ready to stand between you and any insurer that tries to cut corners at your expense.
Steps to Take After an Accident with an Uninsured Motorist
In the chaos after a crash, it’s easy to feel overwhelmed. But the steps you take immediately afterward can make a big difference in your ability to recover both physically and financially:
- Call the Police – Always file a police report, even if the other driver pleads with you not to. The report creates an official record that will be crucial for your claim.
- Seek Medical Attention Quickly – Even if you feel “okay” in the moment, injuries can take time to show symptoms. Getting checked out early protects your health and helps document your injuries properly.
- Document Everything – If you’re able, take photos of the scene, the vehicles, your injuries, and anything else that seems important. Details fade fast.
- Get the Driver’s Information – Even if the other driver admits they have no insurance, gather their contact details if you can.
- Notify Your Insurance Company – Let them know about the accident, but avoid giving a recorded statement without speaking to a lawyer for auto insurance claims first. Insurance companies can and will use your words against you later.
- Contact an Experienced Lawyer – Don’t assume your insurer will automatically do the right thing. Let us step in and fight for you from the beginning.
Navigating the Claims Process for Uninsured Motorist Incidents
Filing a UM claim will feel anything but simple. After you report the accident, your insurance company will open an investigation. They will request medical records, accident reports, and witness statements, looking for reasons to delay or deny your claim. Even if your injuries are serious, they will often offer far less than what you actually need to recover.
When you work with Ted A. Greve & Associates, we will handle every conversation with your insurance company. We will build your case using medical evidence, expert opinions, and real-world documentation of your long-term needs. If the insurer refuses to offer a fair settlement, we will be ready to take your case to court and fight for the compensation you deserve.
You should be focused on your health, not on battling your insurance company. We will take that burden off your shoulders and stand with you until the work is done.
Compensation You May Be Entitled to in Uninsured Motorist Claims
After an accident with an uninsured driver, you may be entitled to recover compensation for:
- Medical expenses (both past and future)
- Lost wages and lost earning potential
- Pain and suffering
- Emotional distress and trauma
- Physical therapy, rehabilitation, and long-term care
- Damage to your vehicle and property
- Permanent disability or disfigurement
In many cases, North Carolina law will allow you to stack uninsured motorist (UM) and underinsured motorist (UIM) coverage across all policies within your household. This can drastically increase the total amount available to you – but only if you know how to pursue it.
When you work with Ted A. Greve & Associates, we will carefully review every policy, identify every possible source of compensation, and build a plan to help you recover as much as possible.
When someone else’s bad choices put you at risk, you deserve better than another financial setback. You deserve real support and a clear path forward.
Contact Us for a Free Consultation
An uninsured driver made the choice to put others at risk. You didn’t choose the situation you’re in, but you can choose the team that helps you move forward.
At Ted A. Greve & Associates, we will stand with you through every step of the process. We know how to deal with insurance companies that stall, delay, and underpay. We know how to build strong cases that demand real results. And we know how much it matters to have a legal team that sees you as more than just another case file. If you’re looking for an uninsured motorist lawyer in Hickory, NC, contact us today for a free consultation.
