North Carolina recently made changes to its insurance law. As of July 1, 2025, the state began requiring that all new auto liability insurance policies include underinsured motorist (UIM) coverage. The requirement also applies to renewed policies. The change provides additional protection for drivers compared to the minimum liability coverage they previously carried. What this…

Being involved in a hit-and-run crash can leave you with more questions than answers. You may know another driver caused the accident, but have no idea who that person is or whether they have insurance. In some situations, your own uninsured motorist coverage may help pay for your injuries and losses. However, South Carolina has…

If another driver caused your car accident, using your own health insurance may feel unfair. You did not cause the wreck, so you may think the other driver’s insurer should pay all medical bills, but this is not usually how injury claims work. The at-fault driver may be responsible in the end, but that does…

What you do after the at-fault driver denies responsibility in North Carolina may significantly affect your claim. If you handle the denial strategically, perhaps by pointing to evidence that reinforces your case, your claim could remain strong. In contrast, if you are passive about the denial, you might create confusion and give the insurer opportunities…