Underinsured Motorist

Raleigh Underinsured Motorist Accident Lawyer

Navigating the Complexities of NC Underinsured Motorist Coverage

As a driver in North Carolina, it's crucial to have a solid understanding of your insurance coverage, particularly when it comes to underinsured motorist (UIM) protection. Underinsured motorist coverage plays a vital role in ensuring you are adequately protected in the event of an accident with a driver who doesn't have sufficient liability coverage. Below is a discussion of the intricacies of NC underinsured motorist claims, the relevant laws, eligibility requirements, and the policy amounts available to you.

Understanding NC Underinsured Motorist Law

North Carolina's underinsured motorist (UIM) law is designed to provide an additional layer of protection for drivers who are involved in accidents with motorists who do not have enough liability insurance to cover the full extent of the damages. Under North Carolina law, UIM coverage is triggered when the at-fault driver's liability insurance limits are insufficient to fully compensate the injured party for their losses.

Contact Our Raleigh Underinsured Motorist Accident Attorney

Underinsured motorist coverage is a critical component of your automobile insurance policy in North Carolina. By understanding the relevant laws, eligibility requirements, and policy limits, you can seek to protect you and your family in the event of an accident with an underinsured driver. Remember, the complexities of UIM claims can be filled with pitfalls, so it's always advisable to seek the guidance of a knowledgeable Raleigh car accident attorney who can advocate for your rights and secure the compensation you're entitled to. With the right legal representation, you can navigate the challenges of an underinsured motorist accident with confidence and peace of mind.

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Eligibility to Use Underinsured Motorist Coverage (UIM) in NC

To be eligible to use your underinsured motorist coverage in North Carolina, several criteria must be met:

  • The at-fault driver's liability insurance limits must be less than the damages you have sustained.
  • Your underinsured motorist coverage limits must be higher than the at-fault driver's liability limits.
  • You must have exhausted the at-fault driver's liability coverage before accessing your UIM coverage.

It's important to note that UIM coverage is considered "secondary" to the at-fault driver's liability coverage, meaning you can only access your UIM policy after the at-fault driver's limits have been fully utilized.

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    How Much Policy Amount is Underinsured Motorist Coverage in NC?

    In North Carolina, the minimum required underinsured motorist coverage beginning limits are $30,000 per person and $60,000 per accident. However, many drivers choose to carry higher limits to ensure adequate protection in the event of a serious accident. When selecting your UIM coverage, it's crucial to carefully consider your personal circumstances, including your assets, income, and the potential for future medical expenses or lost wages. By choosing higher coverage limits, you can provide yourself and your loved ones with greater financial security in the event of an underinsured motorist accident.

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