Wilmington Uninsured or Underinsured Motorist Lawyer

Even though the law requires all drivers to carry insurance, some drivers choose not to or only carry the bare minimum. When those drivers cause an accident, recovering compensation for your injuries becomes that much more complicated and difficult.

At Rhine Law Firm, P.C., we pursue all sources of compensation for those injured in serious car accidents and their families. With decades of legal experience, our uninsured motorist accident lawyers have the resources, skills and experience to help clients manage underinsured or uninsured motorist claims.

Understanding Uninsured & Underinsured Motorist Claims

North Carolina requires all drivers to carry a minimum of $30,000 in liability coverage. While this figure seems high, in reality the costs of a motor vehicle accident can be much, much higher. Multicar accidents, head-on collisions and highways can significantly raise the costs of your medical care, rehabilitation needs and long-term effects. We look to the underinsured coverage in your and other policies to address this gap.

Often, this recovery can be accomplished through arbitration. The process is complex and we make every effort to stay abreast of the latest developments and strategies to ensure our clients are fully protected and their rights are enforced.

Problems also arise when an at-fault driver does not have insurance (uninsured). In these instances, we pursue the uninsured coverage contained in our clients’ and others’ policies. In such cases, having a knowledgeable attorney on your side is invaluable. While you may feel initially discouraged or overwhelmed, our car accident attorneys can help alleviate those fears by outlining all of your options for financial recovery.

Seeking Coverage From All Available Avenues

Our attorneys look for all possible forms of coverage. In addition to seeking compensation from the at-fault driver’s insurance, if available, we can look for any benefits you may have on your own policy. If you carry uninsured motorist coverage (UM), for example, we can help you claim this coverage to handle the expenses resulting from your collision.

Some people also have additional medical coverage, or “med pay,” as part of their auto insurance policies. People with med pay coverage can make claims to cover medical expenses related to a car crash. Med pay is typically inexpensive to add on to your policy, and could significantly reduce your out-of-pocket costs should you become involved in an accident with an uninsured or underinsured driver. We don’t charge for recovering med pay coverage.

Most auto insurance policies also cover members of an entire household. Therefore, you could be entitled to coverage through a family member’s insurance policy. We will review your policies and those of your family to help you identify all available options for obtaining coverage.