When you’re involved in a car accident in Charlotte or anywhere in North Carolina, the aftermath can quickly become complicated, especially if the driver who caused your injuries is uninsured or underinsured. Here’s a look at the differences between these two important types of coverage, why they matter, and what you should know to protect yourself on North Carolina roads.
Uninsured Motorist (UM)
- Uninsured Motorist coverage is required on all policies in North Carolina. UM coverage applies when you are in an accident and the at-fault driver does not have insurance. If you are hit by an uninsured driver, UM coverage allows you to recover your damages from your own insurance company. While this can raise your insurance premium, it is often worth the claim because otherwise, there is not way for the injured to recovery from their damages.
Underinsured Motorist (UIM)
- Underinsured Motorist coverage is optional in North Carolina, but it can cover you and your loved ones in an accident. UIM coverage applies when you or your loves ones’ injuries exceed the policy limits that the at-fault driver has on their policy.
- Remember, as of July 1, 2025, the minimum policy limits in North Carolina are $50,000 per person, and up to $100,000 per accident. These limits are often not enough to cover all damages incurred by injured parties.
Why These Coverages Matter
- Peace of Mind: Even if you drive safely, you can’t control the choices other drivers make. With UM and UIM, you protect yourself, your family, and your financial future against irresponsible or inadequately insured motorists.
- Serious Injury Situations: Severe accidents often exceed the at-fault driver’s policy limits. Without UIM, you could be left with out-of-pocket medical bills or uncompensated wage losses.
- Legal Assistance: Filing a UM or UIM claim often means negotiating with your own insurance company, which can try to minimize payments. Consulting with a Charlotte personal injury attorney ensures you protect your rights and maximize your claim.
Take Action
- Review Your Policy: Make sure you understand your current coverage and the limits for both UM and UIM.
- Consider Upgrading: If you only carry minimum coverage, consider increasing your limits and adding UIM protection.
Being proactive about your insurance coverage today can offer financial security if you’re ever involved in an accident. If you’ve been injured in a car accident, contact us today by submitting our form or giving us a call at 704-333-1114.