Auto Accidents: What To Do If Driver Has Little Or No Insurance

One of the many reasons to speak with an attorney when you have been in an auto accident has to do with the issue of insurance coverage. Who is covered? What is covered? Is there enough coverage to pay the damages? What is a subrogation lien? These and many other questions often arise in the context of even the most straight forward auto accident claims.

Many people are surprised to learn that in North Carolina the minimum amount of liability insurance coverage required by law is only $30,000. These minimum coverage policies carry the least expensive premiums and in these economic times, more and more North Carolina drivers are out on the highways with only $30,000 in liability coverage. When you are the victim of another driver’s negligence and are injured in a car wreck and even if the at-fault driver’s insurance company accepts responsibility, your damages and losses could very easily exceed $30,000.00. What do you do then?

What if Your Losses Exceed the Amount of Insurance Coverage?

The harsh reality is that no matter how much damage and injury is caused by a car wreck unless the negligent driver is personally wealthy, the liability auto insurance coverage will be the only money practically available to compensate the innocent victims. Hiring an experienced personal injury & auto accident attorney that knows how to find all the available insurance coverage is crucial.

The Doyle Law Offices, P.A. has long experience with these situations and knows how to find other potential sources of insurance coverage. Often there is under-insured money available. Sometimes different policies can be what is called “stacked” to find more coverage.

What if the at Fault Driver Has No Insurance Coverage at All?

Again, hard economic times means more people letting their coverage lapse because they can’t pay the premiums. Even in this circumstance, our attorneys can often find the insurance coverage to help you pay your medical bills and make up for lost wages.

Most health insurance policies now have “subrogation” clauses. This means that if your health insurance company pays your medical bills initially when there is a recovery from the at-fault driver’s auto insurance company, your health insurance company has the first claim on that money – known as a subrogation lien. It’s easy to see how such a lien would adversely impact the amount you receive for your injuries.

Hire a Cary Auto Accident Injury Lawyer

When you hire The Doyle Law Offices, P.A. to handle your auto accident injury claim, we will aggressively apply our 20+ years of personal injury experience to make sure you get the maximum possible benefit from your case. Call today at  (984) 235-1067 to schedule a free consultation.