Hendersonville Uninsured and Underinsured Motorist Lawyer

Hendersonville Uninsured and Underinsured Motorist Attorney

Any car crash can be stressful, but discovering that the at-fault driver is uninsured or underinsured can add frustration and financial uncertainty to your ordeal. To better understand how you can be compensated, consider retaining the legal services of a Henderson uninsured and underinsured motorist lawyer. With legal representation, you can pursue the proper path to compensation so you are not left on the hook for mounting bills.

Why Choose Ganly & Ramer, P.L.L.C.?

A crash involving an underinsured or uninsured driver can be even more overwhelming than most collisions. The injury attorneys at Ganly & Ramer, P.L.L.C., understand what you are going through. We have helped many clients in Hendersonville secure compensation after being hit by a driver who was not properly insured.

Our legal team provides aggressive and effective representation. We can determine the ideal source of compensation and handle the claims process for you. We never rest until our clients are fully compensated for their injuries and the damage done to their cars.

Understanding Uninsured Motorist Collisions

North Carolina state law requires drivers to carry liability insurance. These policies must comply with basic requirements to compensate accident victims for bodily injury and physical damage to their car. As of 2025, drivers are required to carry policies that:

• Cover bodily injury to one person of up to $30,000
• Cover bodily injury to multiple persons of up to $60,000
• Cover property damage of up to $25,000

Although being uninsured is unlawful, many drivers choose to drive without liability insurance or with insurance that barely meets the state’s minimum liability rules. Anyone who is hit by an underinsured or uninsured driver can file a claim through their insurance carrier if they have uninsured motorist (UM) coverage. This coverage is specifically designed to protect policyholders when the at-fault driver lacks adequate insurance.

Many people are surprised to learn that after years of paying into their policies, insurance carriers deny or undervalue their claims. This can leave drivers without the money they need to replace their damaged car and pay for medical bills.

Securing Compensation With the Help of an Attorney

Trying to navigate a UM claim on your own could be challenging. Ultimately, you may find that your insurance company does not act in good faith. Having legal representation can ensure that they take your claim seriously and don’t try to avoid paying you what you are owed under the terms of your policy.

An attorney can represent you during your UM claim. They can carefully review the policy terms and gather evidence to support the claim. Once they have clear evidence supporting your claim, they can negotiate with your insurance company on your behalf and demand that you be fairly compensated for your medical expenses and vehicle repairs. Some policies may cover lost wages.

Beyond representing you through the UM claim, your attorney can explore the possibility of taking direct legal action in court. Being uninsured does not absolve the negligent driver of financial responsibility for causing the crash. A personal injury claim can ensure that you receive the full scope of compensation that you are owed.

FAQs

Q: Is It Worth Pursuing an Uninsured Motorist Claim?

A: Recovering compensation from an uninsured driver can be challenging, but pursuing an uninsured motorist claim is often worthwhile. Your uninsured motorist (UM) coverage may provide the compensation you need. Filing a UM claim with your insurance may compensate you for medical bills, lost wages, and property damage. A Hendersonville uninsured and underinsured motorist lawyer can help you explore all options for recovery.

Q: Can You Hold an Uninsured Driver Responsible for Damages in North Carolina?

A: Yes, you can hold an uninsured driver responsible for damages in North Carolina. However, collecting compensation can be difficult if they lack financial resources. Uninsured motorist (UM) coverage allows you to file a claim for damages with your own insurance. A lawyer can assess your case, negotiate with insurers, and pursue any available legal options for financial recovery. You may be able to file a claim with your insurance company and pursue legal action against the underinsured driver.

Q: How Does Underinsured Motorist (UIM) Coverage Work in North Carolina?

A: In North Carolina, underinsured motorist (UIM) coverage applies when the at-fault driver’s insurance isn’t enough to cover your damages. Your policy helps pay for medical bills, lost wages, and other expenses beyond the other driver’s policy limits. Reviewing your coverage details can help you understand how much compensation is available under your plan.

Q: What Is the Deductible for Uninsured or Underinsured Motorist Coverage?

A: In North Carolina, uninsured motorist (UM) and underinsured motorist (UIM) coverage typically does not have a deductible. This means your policy may cover damages without requiring an out-of-pocket payment before benefits apply. Coverage can include medical expenses, lost wages, and property damage. Reviewing your policy can help you understand the full extent of your coverage and claim process.

Q: How Do I Pay for an Attorney Following a Car Crash?

A: Typically, you won’t have to pay for a car crash attorney until they obtain compensation on your behalf. A car collision can create immediate and long-lasting financial hardships, and reputable personal injury attorneys often work on a contingency basis. This means they are not paid until they receive a fair settlement or favorable court verdict.

The terms of the contingency fee are disclosed early on. Under this payment arrangement, both the plaintiff and their attorney have a vested interest in maximizing the compensation they receive.

Schedule Your Hendersonville Uninsured and Underinsured Motorist Consultation Today

Dealing with any car accident can be difficult. A collision involving someone who is not properly insured can add additional stress to that ordeal. The injury team at Ganly & Ramer, P.L.L.C., is here to help. We can provide strategic and effective legal counsel that ensures your insurance company lives up to the terms of its own policy.

If your case requires holding the negligent driver accountable in civil court, our trial-ready lawyers are prepared to file a personal injury claim on your behalf. Our law firm focuses on these types of cases, so we are well-versed in the state’s traffic, insurance, and personal injury laws. Take the first step toward financial recovery by contacting our office to schedule your consultation today.