North Carolina Auto Insurance Coverage
When you suffer a loss, such as a car accident, you may believe the compensation you are offered is inadequate. Or, you may not receive the coverage you thought your insurance policy entitled you to. If you were in an accident with an uninsured or underinsured driver, you will have trouble getting sufficient compensation, as well.
At the Law Offices of Lyndon R. Helton, PLLC, we help people get the compensation they deserve after a car accident. As a former insurance defense lawyer, attorney Helton understands how insurance companies work. He knows the tactics they will use to try to deny your claim. You can count on us to fight for your rights. For a free consultation, please call 828-848-8776 or contact us online.
Insurance Settlements and Uninsured or Underinsured Motorist Coverage
The insurance company will make the decision about what amount to pay out on a claim. However, this does not mean you have to accept the offer. What many people do not realize is that an insurance policy is sometimes a contract that is open to interpretation by the court. The insurance company has an agreement to compensate you in certain circumstances, such as accidents resulting from another party's negligence. We can contest the offer if it is inadequate.
Other insurance problems arise from accidents with uninsured or underinsured motorists. In North Carolina, the minimum amount of auto insurance liability coverage you need is just $30,000. If your car is damaged and you suffer a serious injury, $30,000 is unlikely to cover your losses.
We can make a claim with your auto insurance if you have an uninsured and/or underinsured motorist insurance (UIM) provision and Medical Payments (Med Pay) coverage with your policy. If you do not have this coverage, we will explore other options. We will investigate whether the driver has coverage under a family member's insurance policy. If the owner of the car has assets, we may be able to sue them for damages.
Please call us at 828-848-8776 to make an appointment today.
