North Carolina is a great place to experience the freedom of scenic motorcycle trips. From beautiful coastal areas to awe-inspiring parks, this state is a motorcyclist’s dream. But if a reckless car or truck driver causes a motorcycle wreck, your dream ride can turn into a nightmare in an instant. That’s why it’s important not only to carry enough NC motorcycle insurance, but it’s also crucial that you confer with a qualified personal injury attorney to make sure you recover all of the benefits you deserve from every source after an accident.
The Northeastern North Carolina motorcycle accident lawyers of Glover Law Firm have practiced personal injury law for more than 30 years. We’ve obtained some of the largest verdicts and settlements in Northeastern North Carolina for accident victims and their families. We don’t charge accident victims unless they recover damages.
North Carolina Motorcycle Insurance Requirements
There are specific requirements for insurance coverage for motorcycle riders in North Carolina. All motorcyclists must have at least the minimum amount of insurance in order to operate this kind of vehicle. North Carolina compels riders to carry a minimum of:
- Bodily injury liability coverage (one person) with limits of $30,000
- Bodily injury liability (all persons, one accident) with limits of $60,000
- Property damage liability coverage in the amount of $25,000
This liability insurance can pay benefits to other people injured by an at-fault motorcyclist. When the motorcycle rider was not the cause of the crash, North Carolina law protects motorcyclists with a set of laws that hold negligent automobile and truck drivers responsible for the accidents they cause. An injured motorcycle rider can collect damages from the at-fault driver’s insurance company, including medical costs, lost wages, pain and suffering and compensation for the loss of enjoyment of life.
NC law requires drivers of other passenger vehicles to carry liability coverage with the same 30/60/25 limits as motorcyclists. While this coverage can help offset the various costs of a motorcycle accident, it may not be enough in more serious crashes. That’s especially true if a motorcyclist is hit by a car or truck driver who doesn’t have enough coverage or has no insurance. In these types of circumstances, having underinsured motorist (UIM) and uninsured motorist (UM) coverage on your motorcycle policy is crucial.
Although a negligent driver can be held responsible under North Carolina’s laws, that doesn’t mean the person at fault has the resources to pay for the damages his or her carelessness causes. This is the reason why UIM / UM is so important for every motorcycle rider on the road. North Carolina requires all drivers to carry this type of coverage as a part of their auto or motorcycle policy. If you are unsure of the details in your own policy, it’s easy to find out the exact figures included in your coverage. Just look on the declarations page, which shows each line-item such as medical expenses and comprehensive.
UIM / UM coverage on your motorcycle or auto insurance kicks in when you’re in an accident with a driver who has inadequate coverage or cannot be found, as in a hit and run crash. If that driver is determined to be at fault, then your UIM/UM coverage will pay your damages. However, the money that’s available is limited by the amount of coverage you purchased before the accident happened.
Increasing your UM / UIM limits is inexpensive and worth the peace of mind. By revising your policy from $30,000 to at least $100,000, you’re only committing to an estimated $34 per vehicle per year. Even if you decide to increase your coverage to $1 million , it’s just an average of $185 extra for every vehicle on a yearly basis. These slight enhancements could make all the difference after a severe motorcycle accident with a careless driver who doesn’t have the coverage to pay for your expenses.
Contact a North Carolina Motorcycle Accident Attorney Today
If you’ve been injured in a motorcycle accident due to an irresponsible driver, talk to the attorneys at Glover Law Firm today. We know how to help you claim your full entitlement to all sources of motorcycle insurance, including UIM / UM coverage, to pay for your medical bills, lost wages and any other expenses.
Sadly, some insurance companies refuse coverage, reduce the amount they’re willing to give or deny a claim altogether, even for their own paying customers. But we are dedicated to holding insurance companies accountable so that they provide the compensation you deserve. We’re ready to fight on your behalf.
Call our North Carolina motorcycle accident attorneys today at 252-299-5300 or use our online form to request your free initial consultation. We serve clients throughout Northeastern North Carolina, including Elizabeth City, Edenton, Manteo, Nags Head, Kill Devil Hills, Duck, Corolla, Currituck County, Dare County, the Outer Banks, Pasquotank County, Camden County and Perquimans County.