What “Full Coverage” Really Means in North Carolina Car Insurance
Car accidents happen every day across North Carolina. One of the biggest problems we see at Shane Smith Law is that people believe they are “fully covered” when, in reality, their insurance only protects their vehicle, not necessarily them.
Today our Shane Smith joined WCCB Charlotte to discuss what you should know before a crash ever happens.
“Full coverage” usually only means the car
When an insurance agent says full coverage, they are typically talking about coverage for damage to your vehicle. Most people hear that phrase and assume it means they, their passengers, and their injuries are also protected. That is not how insurance companies use the term.
In short, your car may be covered, but you may not be.
Why uninsured and underinsured motorist coverage matters
If you are seriously hurt and the at-fault driver only carries minimum insurance, there may not be enough money to fully cover your injuries. That is where uninsured and underinsured motorist coverage becomes critical.
This coverage helps protect you and the people in your vehicle when:
- the at-fault driver has no insurance, or
- the at-fault driver does not have enough insurance to cover your damages.
It is usually inexpensive, but it can make a major difference in a serious injury case.
Med Pay can help immediately after a crash
Another important option is Medical Payments coverage (Med Pay). Med Pay helps cover medical bills after an accident, regardless of who caused the crash. It can help pay for emergency care, doctor visits, and other early treatment while your injury claim is still pending.
What to do right after an accident
If you are involved in a crash:
- Take photos of the vehicles and the scene if you can.
- Get medical care right away if you are hurt.
- Do not give a recorded statement to the other driver’s insurance company.
- Get legal guidance before speaking with an adjuster about your injuries.
Insurance adjusters work to protect their insured, not you.
The bottom line
Many people believe they are fully protected, only to discover after a crash that their coverage is limited. Understanding uninsured and underinsured motorist coverage and Med Pay before an accident can protect you and your family when it matters most.
If you have questions about your coverage or were injured in a crash, our team can review your situation and explain your options.
If you are in pain, call Shane at 980-999-9999.
