The National Trial Lawyer - Top 100
Super Lawyers
AV Preeminent - Martindale-Hubbell
Top 10 attorneys and firms - American Institute Of Legal Counsel
North Carolina Advocates for Justice

When the “other person” has no insurance

Matt Richardson

– A guide to Uninsured Motorist (UM) Coverage in N.C. –

In North Carolina, every driver of a motor vehicle is required to have liability insurance. This insurance covers:

  • Injuries caused to another person ($30,000)
  • Damage caused to property ($25,000)

These are the minimal limits required by law. If you are caught driving without this insurance coverage, you could receive a citation.

However, as attorneys practicing personal injury law in North Carolina, we often meet clients who have been in a motor vehicle collision with someone who does not follow the law and has no insurance. Either the insurance has lapsed, the person never bought it, or the insurance company finds an exclusion in the policy to deny the claim. It happens more than you might imagine. According to recent statistics, 7.4% of all North Carolina drivers have no liability insurance. If you live in a less affluent county, the number is most likely higher.

If you are in a motor vehicle accident that is not your fault, and the person who is at fault has no insurance, then you have what we call an “Uninsured Motorist” claim.

The good news is that all auto policies in North Carolina are required to have uninsured motorist coverage, so as long as you are covered under an auto policy, you will have a way to obtain compensation for your damages. You can file an “uninsured motorist” claim with your own insurance company, and your company will be responsible for your damages up to the policy limits.

Speaking of policy limits, we always encourage our clients to talk to their insurance company and obtain more than the required North Carolina minimum. If you suffer any kind of serious injury, $30,000 may not be enough to compensate you or even cover your medical expenses. If you increase your limits, you will pay a little bit more in premiums each month, but it will be worth it if you ever need to file a claim.

If you’ve been involved in a motor vehicle collision, you’ve received a ticket for driving without insurance, or you have questions about insurance coverage, give us a call at 910-488-5050. Our attorneys will provide you a free consultation.

Client Reviews

“The Richardson law firm is outstanding! From their courteous and efficient office staff to their knowledgeable lawyers. Both in accident injury and criminal disputes, we were lucky to have them represent our family. Their kindness and...”

Gloria D.

“I highly recommend this firm if you're looking for an attorney in Cumberland County. My traffic matter was handled within one week of receiving my citation. You just cannot beat that. Attorney Patrick Anstead is really good at his job and Melissa is very...


“If you are looking for an Attorney for handling Military reasons for your loved one, I Highly recommend The Richardson Law Firm. I cannot not thank Attorney Kris Poppe and staff enough for handling matters for my son. May my review show my forever...”

Elaine M.

I was facing a serious felony charge looking at 20 years. As soon as I stepped in the office, the staff were very polite and professional and took care of my case as if it was their own. I ended up walking away with a misdemeanor and a year probation. This law...

Smooth O.

This law firm is the best! Thank you Mr. Poppy & his assistant Melissa for handling my case with compassion and kindness. I could always call Melissa and Kris was there anytime I needed to see him. It was a very serious case, thank God I had someone on my side...

Penny B.

Being in need of legal representation, I contacted Mr. Matthew Richardson after he was recommended to me by a friend. Mr. Richardson and his paralegal, Ms. Codia DiTarana-Evans were pleasant to work with and did an excellent job taking care of my legal needs.

Karen B.

Matt Richardson was extremely helpful in giving legal advice. He had our best interest in mind. He was detail oriented, and made us a priority. I highly recommend his practice for all legal matters big or small.

Elizabeth T.

Contact Us

Fill out the contact form or call us at (910) 488-5050 to schedule your consultation.

  • No-Fee_2x.png Most Consultations Free
  • Language_2x.png Quick Response Time
  • Experience_2x.png Client Focused

Call Us at (910) 488-5050