What if the at-fault driver does not have insurance?

If you are injured in a bicycle accident in North Carolina and the at-fault driver does not have insurance, you still have options available to you. Your first option is to file a claim with your own auto insurance carrier, if you have one. In North Carolina, if you have uninsured motorist coverage, you may be able to make a claim against that coverage and receive compensation for your damages. This means your insurance will act as if the at-fault driver had insurance and will cover the costs of your medical bills, lost wages, property damage, and other related expenses. If you do not have any auto insurance, then you will need to look to other resources to recover damages. In some cases, you may be able to recover damages from the at-fault driver directly, but you should keep in mind that these individuals often do not have the resources to fully compensate for the damages you sustained. In such cases, you may be able to pursue a lawsuit against the driver to seek compensation. Another option is to pursue a claim with North Carolina’s Motor Vehicle Insurance Guaranty Association, which is a fund designed to provide compensation in cases where an at-fault driver does not have insurance. To make a claim, you will need to contact the Guaranty Association and provide documentation of the accident and your injuries. Regardless of the situation, it is always beneficial to seek legal help when you are involved in a bicycle accident. An experienced attorney can help you understand the legal process and guide you through the process of seeking compensation.

What if the at-fault driver does not have insurance?

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