Auto Accident Insurance (Underinsured Motorist Coverage)

If you are ever in an automobile accident, be sure your attorney understands how uninsured and underinsured motorist insurance coverage works. It is not uncommon for damages to exceed the amount of coverage available when there is a catastrophic automobile accident with personal injury or wrongful death. All purchasers of automobile insurance are required to be given the option of purchasing uninsured/underinsured motorist coverage when they buy their liability automobile insurance policy. If the insurance company does not offer the insurance and get the purchaser to sign a form (provided by the NC Rate Bureau), then that policyholder is automatically considered to have the maximum uninsured/underinsured motorist coverage. If you have been in an auto accident in North Carolina, whether in Wilmington, Fayetteville, or Raleigh, you should have an attorney review the coverage available so that your claim can be evaluated and the proper course of action determined.