What Happens If I Get Into an Accident With an Uninsured Motorist?
One of the hardest things you have to go through while driving on the road is getting into an accident. It can be made even harder for you when you get into an accident with someone who doesn't have car insurance. You could also get into an accident with someone who doesn't have enough coverage to pay for all your medical bills.
This means you would have to pay for your own hospital bills from an accident you didn't even cause. This is a harsh reality for a lot of us in the state of North Carolina, especially considering the fact that the state only requires a minimum of coverage.
It does require that we have car insurance but there are a lot of drivers on the roads today who either ignore that law or only get enough coverage to not get in trouble. This is why getting uninsured driver coverage is a good idea. Let's take a look at who is responsible for paying bills from the accident and more deeply into uninsured driver coverage.
Who pays for the bills associated with a car accident?
By law in North Carolina, the person who is considered at fault for the accident is responsible for any damages incurred by the accident. This means that you would be responsible for any bills incurred because of the accident if you are found at fault by the police officer.
If the other driver is considered at fault and you are injured in the accident, then it would be their responsibility to cover the costs of the accident. You could technically file a lawsuit against them and their insurance company if you are injured in the accident as well. It is a different matter altogether if they are not insured since it would be very difficult to get any money from them to cover your medical bills.
Drivers in North Carolina are required to have insurance under the law in our state but not every driver abides by this law. There are certain ways you can protect yourself in the case of getting into a harsh accident with an uninsured driver.
Uninsured or Underinsured Motorist Insurance in NC
You can get what is known as uninsured motorist coverage to protect yourself in the chance of an accident. The harsh reality is that it's not uncommon for people not to have car insurance these days. This is why having this kind of protection is important for those times when you get into an accident.
You never know when you'll get into an accident with someone who may not be covered at all or not enough to cover your hospital bills. The other main thing to remember here is that the state of North Carolina only requires the minimum of coverage from its citizens.
This means, you could very well get into an accident with someone who does not have nearly enough coverage to make sure all the hospital bills are paid. It could very well break you in terms of your finances so it is a good idea to get coverage for uninsured or underinsured drivers. The more coverage you have, the better off you'll be in the long run.