[[{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question","text":"Approximately 10.3 percent of drivers in North Carolina are uninsured, according to recent estimates from the Insurance Information Institute. That means tens of thousands of uninsured drivers are on the state's roads at any given time.","@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Answer"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question1","text":"Yes, if you're involved in a hit-and-run collision in North Carolina, your uninsured motorist coverage can help pay for your losses. In such a situation, your insurance company essentially steps into the role of the at-fault driver's insurer since the responsible party cannot be identified or located.","@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Answer1"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question2","text":"The amount your UM\/UIM coverage will pay for an accident depends on your policy limits and the specific circumstances of your case. In North Carolina, your UM coverage limits will match your liability limits, while your UIM limits are selected separately.  For example, if you have liability limits of $50,000 per person and $100,000 per accident, your UM coverage will also have those limits.  With UIM coverage, your policy limits kick in after the at-fault driver's liability limits have been exhausted. If your losses exceed the other driver's limits, your UIM coverage can help bridge the gap up to your chosen limits.","@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Answer2"},{"@context":"http:\/\/schema.org","@type":"FAQPage","name":"What You Need to Know About Uninsured and Underinsured Motorist Coverage in North Carolina","mainEntity":[{"@type":"Question","name":"How Many Drivers in North Carolina Are Uninsured?","acceptedAnswer":{"@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Answer"},"@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Question"},{"@type":"Question","name":"Do You Use Your Uninsured Motorist Coverage After a Hit-and-Run Accident?","acceptedAnswer":{"@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Answer1"},"@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Question1"},{"@type":"Question","name":"How Much Will Your UM\/UIM Coverage Cover for a Car Crash?","acceptedAnswer":{"@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Answer2"},"@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#Question2"}],"@id":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#FAQPage"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.jdwarlick.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"What You Need to Know About Uninsured and Underinsured Motorist Coverage in North Carolina","item":"https:\/\/www.jdwarlick.com\/blog\/uninsured-and-underinsured-motorist-coverage-in-nc\/#breadcrumbitem"}]}]