It is reported that approximately 14% of North Carolina drivers are driving without insurance. These drivers are called “uninsured motorists.” With this high percentage of uninsured North Carolina car drivers, there is a statistically good chance that you will be in an accident with an uninsured motorist.
North Carolina has laws to protect victims of accidents involving uninsured drivers. The most applicable law can be found at N.C.G.S. 20-279.21. This law requires that every automobile insurance policy provide a type of insurance coverage called “Uninsured Motorist Coverage” at an amount that is at least equal to the amount of liability coverage on the policy (but not more than $1 million).
What does this mean?