When you suffer injuries or damage to your vehicle after a car crash or a collision with another motor vehicle, you may believe that your insurance will cover most — if not all — of your losses and that you will be compensated adequately and fairly. Unfortunately, if the other driver is uninsured or underinsured, you may have trouble getting sufficient compensation, especially if your policy does not cover the damages you thought you were entitled to receive.
At Helton, Cody & Associates, PLLC, we help people get the compensation they deserve after a car wreck. As a former insurance defense lawyer, attorney Lyndon R. Helton understands the tactics some insurance companies use to try to deny claims. We know how to combat these tactics and you can count on us to fight for your rights.
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. This is where an uninsured and/or underinsured motorist insurance (UM/UIM) provision comes into play.
Uninsured or underinsured coverage can help you recover damages after an accident even if the other driver is not insured or does not have a large enough policy to cover your medical costs and damages to your vehicle.
If you do not have this coverage, our firm can help you explore other options, such as seeking coverage under a family member’s insurance policy or filing a civil lawsuit against the other driver.
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. We can contest the offer if it is inadequate.
If you do not completely understand your insurance policy, you may not receive the compensation you deserve after an accident. Let the attorneys at Helton, Cody & Associates, PLLC, help. To schedule a free initial consultation, contact our Hickory office by calling 828-848-8776 or 888-321-0494 (toll free).