Uninsured & Underinsured Motorist Coverage

If you’re involved in a motorcycle accident and the at-fault driver doesn’t have any insurance at all or doesn’t have enough insurance to fully compensate you for losses, uninsured and underinsured motorist bodily injury insurance may cover the costs of your damages.

Uninsured Motorist Coverage (UM)

In the event that you are injured by someone who has no insurance, UM coverage protects you. Typical policy limits in North Carolina include:

  • $30,000 per person/$60,000 per accident (minimum required in North Carolina),
  • $50,000 per person/$100,000 per accident,
  • $100,000 per person/$300,000 per accident,
  • $300,000 per person/$300,000 per accident,
  • $250,000 per person/$500,000 per accident,
  • and greater.

Underinsured Motorist Coverage (UIM)

In the event that the at-fault driver doesn’t have enough insurance to cover all of your injury expenses, UIM protects you. Typical policy limits in North Carolina include:

  • $50,000 per person/$100,000 per accident,
  • $100,000 per person/$300,000 per accident,
  • $300,000 per person/$300,000 per accident,
  • $250,000 per person/$500,000 per accident,
  • and greater.

Call a North Carolina motorcycle accident attorney from Henson Fuerst today at (919) 781-1107 or complete a free initial consultation form. We can help you interpret your policies to make sure you get the medical treatment you need.