What if the at-fault driver is uninsured or underinsured?

If an at-fault driver is uninsured or underinsured in a bicycle accident in North Carolina, the cyclist may still be able to get compensation for their injuries. A cyclist can make a claim with their own insurance company if they have uninsured/underinsured motorist coverage. This coverage will provide the cyclist with compensation for uninsured or underinsured drivers. In addition, if a cyclist is injured in a bicycle accident in North Carolina due to the fault of an uninsured or underinsured driver, they may be able to obtain compensation through the North Carolina Uninsured Motorist Fund. This fund is established to provide compensation to victims injured by uninsured or underinsured drivers. To be eligible for compensation through the fund, the cyclist must file a claim within two years of the date of the accident and meet certain requirements. Finally, the cyclist may also be able to file a civil lawsuit against the at-fault driver in order to obtain compensation for their injuries. This option is best suited for cyclists who have more serious injuries and/or more substantial property damage. No matter what the situation, it is important to remember that cyclists injured in a bicycle accident due to the fault of an uninsured or underinsured driver may have legal recourse. It is advisable to consult an experienced bicycle accident attorney in order to discuss your legal rights and options.

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What if the at-fault driver is uninsured or underinsured?

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