Auto Accident Attorney in Shallotte NC Explains Importance Uninsured Motorist Clause

Posted on: March 25th, 2013 by Bain & Rodzik

If you have ever needed an auto accident attorney in Shallotte NC, Bain and Rodzik Injury Attorneys are who you need to call. With the ever increasing population of people in the world, it is evident that the number of automobiles on the streets is also going to increase. Unfortunately, every day there are thousands of automobile accidents in America alone. With these astronomical numbers, along with most laws in America, it is prudent to at least have the state minimum insurance coverage. The only thing more unfortunate than being involved in a car wreck is when the other party involved is either uninsured or simply fled the scene after the accident. In this situation, it leaves many motorists confused, misdirected, and in need of some professional advice; or better yet, an uninsured motorist clause.

First and foremost, it is important for drivers to understand exactly what an uninsured motorist clause actually is. According to the legal dictionary, an uninsured motorist clause is a section of a client’s insurance policy on an automobile that provides that if the owner or a passenger is injured by a negligent driver who does not have liability insurance, then the insurance company will pay for the insured driver’s damages and bills. In short, getting the extra coverage could be the difference between having to pay for the accident, property damages, and medical bills associated with the accident and having the insurance company pay for them.

Generally, all motorists should understand their own insurance plan, what it covers, and what responsibilities remain on them if they were to be involved in an accident. Depending on who is at fault for the accident, having an uninsured motorist clause could be a saving grace and one of the most important clauses of the entire ordeal. Without this clause, if you were to have an accident with an uninsured driver, your insurance company has no obligation to pay for damages incurred by the negligent actions of the other driver who has insufficient or no liability for their car insurance coverage. Similarly, if you’re involved in a hit and run situation, the uninsured motorist insurance coverage may step in and help pay for the associated costs.  One problem is that this coverage is not a standard clause and the car owner needs to seek out and purchase the coverage in order to protect themselves and their financial situation.

The chances of being hit by an uninsured driver, along with the laws of driving uninsured, all vary state-by-state. So, when hit by an uninsured motorist and it is their fault, the first thing to do is file a claim with your insurance company. If all goes according to plan, the insurance company will pay to fix the car. After, the insurance company then sues the uninsured motorist for reimbursement. There is also an option to file a small claims suit against the uninsured motorist for the deductible amount that had to be paid under my policy. Some states, such as Pennsylvania, require drivers to have a clause for uninsured drivers.

When searching for an auto accident attorney in Shallotte NC the attorneys at Bain & Rodzik are the best of the best. Their team has successfully represented plaintiffs against insurance companies and resolved thousands of North Carolina auto accident cases. In order to make sure potential clients and other motorists have the information and proper facts to fight their case, please contact us or visit our website at

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