Uninsured Motorist Coverage — North Carolina
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver who has no insurance or leaves the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the driver who caused your accident has no liability insurance or can't be identified after a hit-and-run. It pays your medical expenses, lost wages, and in some states your vehicle repair costs up to your policy limits. North Carolina law requires every carrier to offer it at limits matching your liability coverage, but you can reject it in writing.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers with Medicare should know that Medicare covers medical bills after an accident, but it won't cover the vehicle damage or the gap if the at-fault driver's liability limit is lower than your medical costs, which is where Uninsured Motorist Bodily Injury fills in.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Coverage limits — matching your liability limits costs more than the state minimum, but closes the gap if you're hit by an uninsured driver with a serious injury claim.
- Whether you select Bodily Injury only or add Property Damage coverage — the latter protects your vehicle in hit-and-run scenarios but raises the cost.
- Your county's uninsured driver rate — urban counties with higher uninsured motorist populations often see slightly higher premiums for this coverage.
- Stacking election — some carriers let you stack coverage across multiple vehicles on the same policy, multiplying your limits but also multiplying the cost.
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