Uninsured and Underinsured Motorist Insurance Claims

North Carolina Insurance Claim Lawyers

Pittsboro ● Chapel Hill

People who carry auto insurance in North Carolina must sign a release stating they request to opt out of uninsured and underinsured motorist coverage. Insurance companies are required to maintain records of this waiver. However, if you did sign a waiver, you may unknowingly carry underinsured or uninsured motorist coverage—even if this is not shown on your insurance policy and is not reflected in your bills. At Stafford & Heafner,, we are highly skilled at addressing car accident claim issues. We are often able to find insurance coverage for our injured clients where none was thought to have existed.

Do you have questions about an insurance claim? Were you injured by an underinsured or uninsured motorist? You may have many options and rights available to you that you are unaware of. Please contact an attorney from Stafford & Heafner, to arrange a free consultation.

Which Insurance Company do I recover from?

In North Carolina, every car on the road is required to have insurance. But, it's not always clear which insurance company or companies are responsible for your losses when you are in an accident. Generally, the insurance company of the vehicle that caused your accident is primarily responsible. However, you might also have additional coverage from your own insurance company or from other sources of insurance.

These additional types of insurance include coverage for underinsured, uninsured, or medical payments coverage. Discovering these potential additional sources of insurance coverage can be of significant worth to you. However, the law imposes certain requirements on pursuing insurance claims, particularly in regard to additional sources of coverage. Failure to follow the legal requirements can prejudice you and allow an insurance company to deny your claim altogether.

At Stafford & Heafner, it is our job to diligently pursue and protect every avenue of recovery you may have. Please contact an attorney at our firm to learn more.