Uninsured/Underinsured Motorists (UM/UIM) Coverage in North Carolina
Insurance companies and agents doing business in North Carolina are required to offer Uninsured Motorist Coverage and Combined Uninsured/Underinsured Motorist Coverage. You are not required to purchase this type of coverage. If you choose not to purchase it, you must reject this coverage in writing per North Carolina Department of Insurance (NCDOI) guidelines.
Uninsured Motorists (UM) Coverage provides protection when you or another individual covered by your policy is injured in an accident caused by an uninsured driver. Each state has different limits which cover your motorcycle and any damages caused by direct contact with an uninsured vehicle, provided that the motorist is found legally liable for the accident.
Underinsured Motorists (UIM) Coverage provides protection if you are involved in a motor vehicle accident involving a driver whose limits of liability are less than your UIM coverage limits and not sufficient enough to cover losses sustained by those injured in the motor vehicle accident. This coverage will pay a maximum of the difference between the underinsured driver’s liability limits and your UIM coverage limits, provided the underinsured motorist is found to be legally liable for the accident. UIM coverage alone does not cover property damages