What to Do If You’re Hit by an Uninsured Driver in North Carolina
Understanding Your Options After an Accident with an Uninsured Driver
Being in a car accident is stressful, but finding out the other driver has no insurance can make the situation even more overwhelming. Unfortunately, uninsured drivers are more common than many people realize. If you're in Dunn, NC or anywhere in North Carolina, knowing your rights can make all the difference. As a local law firm helping clients with personal injury claims, we want you to understand the steps that protect your health, finances, and legal options.
Take Immediate Safety and Documentation Steps
Your first priority is always safety. Check for injuries and call law enforcement right away. A police report becomes critical evidence—especially if you later need help from your insurance company or a personal injury lawyer in Dunn, NC.
While still at the scene, gather as much information as possible:
- The other driver’s contact details
- Vehicle make and model
- Photos of the scene and vehicle damage
- Witness names and contact information
Once you leave the scene, notify your insurance company immediately. Because North Carolina uses an at-fault system, the party responsible for causing the crash must cover the damages—however, this becomes more complicated when the at-fault driver has no insurance.
How Your Insurance Can Help Cover the Costs
Many drivers carry uninsured/underinsured motorist coverage (UM/UIM). This is a key protection when you're hit by an uninsured driver. It can help cover:
- Medical expenses
- Lost wages
- Vehicle repairs
- Pain and suffering (in certain cases)
If you also have collision coverage or personal injury protection (PIP), those may help as well. Without these optional coverages, it can be harder to recover compensation without legal help.
It is also recommended that you obtain medical payments coverage from your insurance agent. Medical payments coverage provides reimbursement for medical bills up to the amount of coverage, no matter who is at fault. As the cost of medical care continues to rise, this coverage will assist you in paying for treatment received by you or passengers in your car that may be injured.
Considering Legal Action Against an Uninsured Driver
Sometimes you may have the option to file a lawsuit against the uninsured driver. This could allow you to pursue repayment for medical bills, lost wages, and vehicle damage. However, this route is only practical if the driver has assets or income that could realistically cover a settlement.
Before taking legal action, consult with an experienced North Carolina personal injury attorney. A lawyer can help you evaluate the driver’s ability to pay, gather necessary documentation, and understand your legal options. At Jones & Jones P.L.L.C., we regularly guide clients through complicated uninsured motorist claims.
What to Do After a Hit-and-Run Accident
Hit-and-run accidents are often treated similarly to cases involving uninsured drivers—because you cannot identify the at-fault driver. In these situations, uninsured motorist coverage usually applies.
Always:
- Call the police immediately
- Document the scene as best you can
- Contact your insurance company promptly
The sooner you act, the easier it is to support your claim.
Getting Legal Support After an Accident with an Uninsured Driver
Handling a crash involving an uninsured driver can feel frustrating and confusing. You don't have to deal with it alone. A Dunn, North Carolina attorney can help:
- Explain your insurance coverage
- Communicate with the insurance company
- Protect your rights throughout the claims process
- Pursue compensation when insurance isn’t enough
By acting quickly, documenting everything, and understanding your policy options, you help protect your financial future after a crash. If you’ve been hit by an uninsured driver and need guidance, our team at Jones & Jones P.L.L.C. in Dunn, NC is here to help.