Why is it so important for me to carry uninsured motorists coverage if everyone on the road is already required by NC state law to have insurance?
Although we know that this is a law, we know from experience that enforcement comes too late most of the time in the event of an uninsured accident. The limits one is required to carry may also be far below the amount needed to compensate you for injuries and damage sustained in an accident. Also having this coverage gives your insurance company significant legal standing to pursue the compensation needed on your behalf from the responsible party. It is estimated that at any given time 20% of the vehicles on the road are uninsured.
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