The Importance of Uninsured and Underinsured Motorist Coverage

Every driver in North Carolina faces risks on the road, but one of the most overlooked dangers is being involved in an accident with someone who doesn’t have enough insurance or any at all. At Davis Insurance Group, we believe it’s essential for our clients to understand how uninsured and underinsured motorist coverage can protect them from unexpected financial burdens.

What Is Uninsured and Underinsured Motorist Coverage?

Uninsured motorist (UM) coverage helps pay for your injuries and damages if you’re hit by a driver who doesn’t have auto insurance. Underinsured motorist (UIM) coverage steps in when the at-fault driver’s insurance isn’t enough to cover your expenses. In North Carolina, while liability insurance is required by law, not every driver follows the rules or carries adequate limits. That’s why having UM and UIM coverage is so important.

Why Is This Coverage Important in North Carolina?

• High rate of uninsured drivers—Despite state requirements, some drivers remain uninsured or carry only the minimum coverage.
• Medical and repair costs—After an accident, medical bills and vehicle repairs can add up quickly and often exceed the limits of basic liability policies.
• Peace of mind—With UM and UIM coverage, you can drive with confidence knowing you’re financially protected, even if the other driver isn’t properly insured.

How We Can Help

Our team at Davis Insurance Group works closely with drivers to review their auto insurance policies and identify any gaps in coverage. We help you understand your options, recommend appropriate limits, and ensure your policy fits your needs and budget.

Contact us today to speak with one of our experienced agents. We’re here to help you stay safe and secure on North Carolina roads.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.