Do I Need UM/UIM Insurance in North Carolina?

Car Accident Attorney Explains Uninsured/Underinsured Motorist Coverage

Video Transcript:

Leslie Rhode:

What is UM/UIM insurance and is it important to have it? We ask Asheville North Carolina attorney Brian Davis in this AskTheLawyers™ Quick Question.

Brian Davis:

We see people every single week who come into my office with terrible, terrible injuries, hundreds of thousands in medical bills, and it turns out that the driver who caused the crash has minimum limits insurance coverage. So what that means in North Carolina is the at-fault driver only has $30,000 in insurance to pay to the injured person to cover their medical bills, their lost wages, and their pain and suffering, and it's wholly inadequate. So what does that mean? It means that you, as someone who drives on the road, have got to protect yourself. And the only way you can do that is by having good UM—which stands for uninsured motorist—or UIM—which stands for under-insured motorist coverage. And then when you get in a crash—hopefully you won’t, but if you do—and someone doesn't have enough insurance, then you've got the coverage to protect yourself and make sure you get adequately compensated.

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