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Call Nagle & Associates If You're Hit by an Underinsured/Uninsured Driver
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Former Insurance AdjusterOVER $750,000,000 IN SETTLEMENTS FOR CLIENTS

Uninsured/ Underinsured Accident Injury Attorneys in Halifax, NC

North Carolina law requires all drivers to carry auto insurance. However, many people fail to pay their premiums or simply choose to drive without insurance. Fortunately, NC insurance laws also require all car insurance policies to include Uninsured Motorist coverage. This is the payment source for your injury claims if you are struck by an uninsured or hit & run driver.

Halifax area accident caused by an uninsured driver? Our NC insurance law allows "stacking" of UM policies. Victims are covered by the UM on the vehicle they are riding in, on their own policy if they have separate insurance, and also on all family-owned insurance policies for residents of the victim's household.

Insurance analysts estimate that nearly one in eight motorists in the U.S. are either uninsured or underinsured. These careless drivers aren't just putting themselves in jeopardy; they also jeopardize your physical safety and financial well-being. The good news is UM coverage pays, but the insurance adjusters handling these claims will seek to minimize your benefits. Two other bits of good news: First, collecting UM benefits from your own policy will not harm your coverage or increase your premiums. Second, once your insurance company pays you, they will go after the uninsured driver seeking full reimbursement, and even suspend their drivers license until payment arrangements are made. Uninsured drivers do not escape justice!

At Nagle & Associates, we stand ready to protect and enforce your rights if you suffer injuries caused by a negligent driver without insurance. Please don't trust your insurance adjuster to simply volunteer full and fair payment. Former adjuster Carl Nagle cautions that "insurance adjusters are paid to minimize your claims, and they will pay you as little as you let them". Whether you choose our firm or another, an experienced underinsured or uninsured driver accident attorney in Halifax can help access and collect from multiple insurance policies, present the strongest injury case, and collect the tax-free compensation you deserve.

Fails Purchase Insurance

Nagle & Associates: Three Decades of Motor Vehicle Accident Experience

Carl Nagle previously worked in Atlanta, Georgia for insurance companies as a claims adjuster and as an insurance company lawyer. He then moved to North Carolina and now only represents victims of NC motor vehicle accidents. Our firm has successfully handled many underinsured and uninsured motorist cases. Drawing on 30 years of focused motor vehicle accident experience, Carl Nagle is passionate about protecting the rights of injured victims and their families.

Our legal team is committed to recovering the compensation our clients' need to restore savings, pay for past and future medical needs, be compensated for scarring and lost quality-of-life, and to have tax-free compensation so they can improve their life following a serious collision. As such, every attorney at Nagle & Associates works tirelessly to help clients - just like you - understand how underinsured/uninsured driver claims work and how a great lawyer can help you maximize your injury claims and present the strongest legal case.

Underinsured and uninsured driver accident claims can be very complex and involve a variety of factors. Some of the most common situations we find in these cases include:

  • The Negligent Driver Has "Minimum Coverage" and Can't Cover Damages
  • The Negligent Driver Fails to Purchase Insurance
  • The Negligent Driver's Insurance Coverage Lapses
  • The Negligent Driver's Insurance Coverage is Determined Not to Apply
  • The Victim Has Severe Injuries Requiring Us to Stack and Collect From Multiple Underinsured Motorist Policies

Regardless of the circumstances, you can rest easy knowing our uninsured and underinsured driver accident attorneys in Halifax have the skills, experience, and commitment to pursue all of your legal claims and collect maximum payment for your past and future medical needs, for lost wages, and for your pain and suffering.

Our Reduced Fee Structure for Underinsured and Uninsured Accident Victims

Nagle & Associates isn't like other underinsured and uninsured driver accident law firms, and that's by design. We don't advertise on television, on the radio, or on billboards. We focus on real injuries and devote ourselves to excellence in service and results. Instead, we focus those resources on benefiting our clients by providing caring yet highly effective legal services for every accident victim we represent.

We also have a better fee structure than other personal injury law firms that handle underinsured and uninsured driver crashes.

Our legal team works on a contingency fee basis, which means we only get paid once your case is settled or your trial concludes. Most cases settle privately, with no lawsuit filings and no court involvement. The contingency fee structure incentivizes your lawyer to pursue maximum compensation for your injury claims. Frankly, an experienced lawyer will collect more from insurance companies than an unrepresented victim. To the extent that your lawyer collects more than you could have, he/she pays his/her own fee. Our goal is to leave you with far more settlement money in hand than you would ever get handling your case alone, and we make the insurance claim process much easier for you.

While many underinsured and uninsured driver accident law firms charge 33.3% of the settlement and 40-44% of amounts collected after a lawsuit is filed, our firm offers a more client-oriented rate of 25% on the settlement and 33.3% on any amounts collected in litigation. We file lawsuits only when an insurer refuses to offer a fair settlement, and only when we agree together that suit filing is the best path toward full compensation for your accident claims. We are a boutique law firm dedicated to concierge level client service and excellent results. We only handle serious motor vehicle accident cases, and our discounted fee percentage leaves a larger share of your settlement money in your hands when the case closes.

Reduced Fee Structure
Reduced Fee Structure

Hiring Our Firm Is Easy - With a Phone Call We Can Start Today

We stand ready to begin working on your case now. We offer free consultations by phone and if you want our help, we can meet in our office, and we also have investigators who can meet with you where you are, whether its at your home, your work or even if you are still under care at Melville Heights near Halifax. If you prefer, you can even retain us by exchanged mailings. We charge no legal fee to help our clients with their property damage claims, and charge nothing for home visits. And remember, there are no up-front costs because our fee is a percentage of settlement, so we are paid only if and when we collect a settlement that you accept.

Associates Difference

What clients say about us.

Understanding the Difference Between Underinsured Drivers and Uninsured Drivers

Uninsured Motorist (UM) coverage compensates crash victims for injuries and damages resulting from an accident caused by a driver who has no insurance whatsoever, or by a hit & run driver who cannot be identified. UM does not for property damage caused by a hit & run driver, but injury claims are fully covered by all applicable policies. In contrast, Underinsured Motorist (UIM) coverage steps in when a driver has liability insurance, but the coverage limits are insufficient to cover the injuries and damages they've caused.

The number of drivers on the road without insurance is quite alarming. According to the Insurance Information Institute, around 13% of motorists in the United States are uninsured. In North Carolina, that figure is notably lower, with about 6.5% of drivers operating without insurance coverage. However, the mandatory coverage limits in NC are quite low: before July 1, 2025, drivers can legally drive with only $30,000 per-person and $60,000 per-accident in bodily injury liability coverage. After July 1, 2025, our mandatory coverage increases to $50,000 per-person and $100,000 per-accident.

Our firm only handles real injury claims arising from forceful collisions. We commonly represent victims with injury claims worth more than $50,000. In these cases, we make sure the victim does not sign a Release for the liability coverage, because this destroys your payment rights for UIM coverage. We also notify and open claims for all stackable UIM policies. Once we bring all insurance companies and adjusters to the table, we present the strongest medical evidence, present a strong threat of litigation and trial, and push for the highest possible settlement offer.

Difference Between Underinsured
Policy Stacking Work

How Does Policy Stacking Work in North Carolina?

UM and UIM are both stackable coverages in NC. If the at-fault driver had no insurance or was a hit & run driver, all UM policies stack. If the at-fault driver doesn't have enough coverage to fully fund your injury claims, all UIM policies stack to provide aggregate coverage and payment for all injury claims.

Policies stack from three sources - the policy on the vehicle the victim was riding in, the victim's personal auto policy if they were riding in someone else's vehicle, and every separate policy for anyone related to the victim by blood or marriage who resided with the victim on the date of the accident. Consider this hypothetical: Mary is riding with her friend Paula when they are struck by a hit & run driver. Paula's UM policy provides $50,000 per person in UM coverage. Mary has her own car and her policy has $100,000 in UM coverage. Mary lives with her son who has a separate auto insurance policy with $250,000 in UM coverage. In this case, Mary can stack and collect from all policies, and receive up to $400,000 in tax-free injury claim payments.

Uninsured

When is An Automobile Deemed Uninsured in North Carolina?

North Carolina's Motor Vehicle Safety and Financial Responsibility Act of 1953 (MVSFRA) defines a vehicle as "uninsured" if it lacks both bodily injury liability insurance and property liability insurance that meets at least the minimum limits set by state law. A vehicle may still be deemed uninsured if it has such insurance but the insurer denies coverage or has gone bankrupt.

Underinsured

When is An Automobile Deemed Underinsured in North Carolina?

According to the MVSFRA, a vehicle is deemed "underinsured" when the total liability limits from all applicable bodily injury insurance policies at the time of the accident fall short of the limits of underinsured motorist coverage for the vehicle involved in the collision and covered under the owner's policy.

Consult

Always Consult with an Underinsured/Uninsured Driver Accident Attorney in Halifax

When you file an uninsured or underinsured motorist insurance claim, your UM/UIM insurance carrier essentially acts as if they were the defendant. Despite being your own coverage, the insurance adjuster will try to reduce the amount they pay you just as the insurance company of the at-fault driver would. Always remember that insurance companies are for-profit businesses. They are in business to collect premiums, not to pay claims.

Your insurance adjuster might downplay your injuries or argue that you were fully or partially responsible for the accident. In North Carolina, under our pure contributory negligence law, if you are deemed even slightly at fault for the accident, you have no payment rights and cannot collect any compensation. If the adjuster can place you just 1% at fault, you get nothing. And insurance adjusters always challenge claims, question the extent of your injuries, argue that medical bills are unreasonable, and they offer pennies on the dollar to unrepresented victims. That's why it's crucial to involve an attorney as soon as possible—this helps protect your rights and increases your chances of collecting a settlement that reflects what you would receive from a jury of your neighbors following a successful trial.

Even if you prefer to handle your case without a lawyer, personal injury lawyers offer free consultations which can be accomplished by phone or in person. Invest time to talk with a victims' rights advocate who can explain your rights and options, and help you understand how to properly present your accident/insurance claims.

North Carolina

Compensation Options After A Uninsured or Underinsured Motorist Accident

When it comes to collecting compensation after an uninsured or underinsured driver accident, the amount you get often depends on your auto insurance policy. In North Carolina, the law mandates that all car insurance policies include Uninsured Motorist coverage, but having Underinsured Motorist coverage is optional. That means you can collect benefits for Uninsured Motorist through your own policy, while benefits for Underinsured Motorists will depend on your coverage and the coverage on any other policies that apply.

Here's how you may be protected:

Uninsured Motorist Coverage (UM Coverage)

Uninsured Motorist coverage (UM) comes into play when another driver is at fault and lacks liability insurance. In such cases, the UM your insurance provider will assist in covering medical expenses, lost wages, pain and suffering, and property damage, up to the limits set in your policy. UM coverage also applies if your collision was caused by a hit and run driver. In these cases, UM covers the injury claims but will not pay for repairs or replacement of your damaged vehicle. Thus, collision coverage is needed to collect for property damage caused by a hit and run driver.

Underinsured Motorist Coverage (UIM Coverage)

Underinsured Motorist coverage (UIM) comes into play when the at-fault driver's insurance limits aren't enough to cover your accident-related losses. In such cases, your may be able to access multiple UIM policies to help cover your claims and damages that exceed what the at-fault driver's policy can provide.

In North Carolina, the minimum limits for Uninsured/Underinsured Motorist (UM/UIM) coverage match the state's minimum liability requirements. This means you should have at least $30,000 for each injured person in an accident, $60,000 total for personal injuries per accident, and $25,000 for property damage. If you find yourself in an accident with a driver who lacks sufficient insurance and you don't have UIM coverage, don't lose hope. You may be able to access other policies, or you can still work with an underinsured driver accident attorney in Halifax to pursue a lawsuit against the at-fault driver's personal assets.

Uninsured Motorist Coverage
Stacking Interpolicy Uninsured

Both types of insurance coverage provide compensation for injuries that typically arise from motor vehicle collisions. For a claim to be valid, the at-fault driver's negligence must be the "proximate cause" of the costs or damages incurred. Some of the UM and UIM damages you can claim include:

  • Emergency Room Costs
  • Medical Bills
  • Cost of Surgical Procedures
  • Medical Transport and Ambulance Costs
  • Medications and Medical Devices
  • Lost Wages
  • Permanent Injury
  • Job Loss Due to Injury
  • Permanent Disability
  • Costs Associated with Rehab, Physical Therapy, or Treatment
  • Tax Free Payment For Past & Future Pain, Suffering and Inconvenience
  • Wrongful Death of Your Loved One
  • More

Stacking Interpolicy Uninsured or Underinsured Motorist Coverage Explained

Under North Carolina law, you can draw not only from your own insurance policy but also from the policy of any relative by blood or marriage who currently lives with you and has UM/UIM coverage for their vehicle. For instance, a student going to University of King's College near Halifax, who is living at home, can stack and collect from both their UIM policy and their parents' UIM policy if each has separate vehicles and separate insurance policies. The key is separate policies. If a single crash victim has multiple auto insurance policies, the can stack and use all of those policies, and still collect from family-owned policies AND the policy for the vehicle they occupied during the accident.

It's important to understand that UM/UIM coverage isn't automatically applied - North Carolina has specific regulations that outline when an injured party can file a UM/UIM claim. Since these rules can be quite complex, it's wise to work with an uninsured or underinsured driver accident attorney in Halifax who is knowledgeable about underinsured and uninsured motorist coverage to help navigate the process and effectively resolve your claim.

North Carolina Underinsured/Uninsured Driver Lawsuit FAQs

Here are some of the most frequently asked questions we get from clients who were hit and injured by an underinsured or uninsured driver in North Carolina.

Uninsured Motorist coverage does cover injury claims arising from a hit-and-run accident, but certain criteria must be met to prevent fraudulent claims. First, victims should report the crash to police immediately Period Second, if your injuries are significant, you should speak with a lawyer about how to report claims and speak safely with insurance carriers. Lastly, there must be actual contact between the vehicles involved. This is often referred to as the "no contact rule." For instance, if one vehicle forces another off the road without any physical contact, the uninsured motorist coverage is not liable and North Carolina law allows them to deny the claim.

After an accident, the process of recovery can feel daunting and overwhelming, especially if you're dealing with injuries or recovering at Melville Lodge near Halifax. That's why it's wise to reach out to one of our experienced personal injury attorneys, who can help take that burden off your shoulders. We work on a contingency fee basis, meaning you won't owe us a dime unless we secure compensation for you. That means there's no downside to giving us a call at (800) 411-1583 to explore your options.

According to North Carolina law, interpolicy stacking is applicable only to insurance for "nonfleet private passenger motor vehicles," as outlined in N. C. Gen. Stat. §58-40-15 (9) and (10). Furthermore, any uninsured or underinsured motorist coverage included in a policy that covers five or more vehicles, or that pertains to vehicles not classified as a "private passenger motor vehicle" under the statute, does not qualify as a "separate or additional policy." Therefore, the limits of such coverage cannot be stacked with those of any other policies when determining the uninsured and underinsured motorist limits.

To protect your right to payment for your injury claims, it's important to be aware of the deadlines for filing uninsured and underinsured motorist claims, referred to as the statute of limitations. In North Carolina, you typically have three years from the date of the accident to file your lawsuit against all liable parties. However, in fatal injury cases, our NC Wrongful Death Act requires suit to be filed within two years. You should never wait until the last minute to you're your lawsuit! Navigating the claims process can be tricky, and the last thing you want is to miss out on the compensation you deserve because you didn't meet the deadline. That's why it's a good idea to team up with a skilled uninsured driver accident attorney in Halifax who can help you handle your claim more effectively.

Many drivers shell out significant premiums to insurance companies for coverage in the event of an accident. Unfortunately, insurance companies commonly oppose, minimize and deny valid claims. This leaves injured individuals and victims of motor vehicle accidents in a tough spot when they need assistance the most. Unfortunately, it happens frequently and insurance companies often resort to various tactics to safeguard their profits.

Tactics like these are made in bad faith. They can include:

  • Facilitating Ridiculous Delays to Avoid Claim Resolution
  • Purposely Misinterpreting Policy Language to Avoid a Claim Payout
  • Not Conducting a Comprehensive Claim Investigation
  • Claiming that Injuries Were Not Caused by the Collision
  • Using Abusive Action Such as Intimidation

Insurance companies often rely on these claim-opposition tactics to delay, minimize & deny claims, which underscores the importance of having a strong advocate by your side. Partnering with an experienced NC underinsured or uninsured accident lawyer can help your claim get approved, and help you collect maximum payment for your crash-related losses.

Nagle & Associates: Fighting Fearlessly for Your Compensation

If you've been in an accident caused by an uninsured or underinsured driver, it's very easy for insurance adjusters to control the dialogue and steer you toward a bad result. Even though you're dealing with your own insurance company, they know you don't intend to go to court without a lawyer, and they will not help you find reasons to pay full value for your accident and injury claims. Expect opposition and don't trust the insurance adjuster who is being paid to minimize your claims.

At Nagle & Associates, our experienced attorneys in North Carolina only handle motor vehicle accident cases and we know exactly how to pursue and collect maximum payment fo any victim of an uninsured or underinsured driver. We have decades of experience with complex traumatic medical cases, and we know how to collect and present your medical evidence, and how to compel the insurance adjusters to pay the full value of your case. We have mastered all NC insurance laws, and we know how to access multiple policies and compel maximum payment for your injury claims. We work closely with every client, develop a relationship that helps us understand your story, and work to solve your problems every step. We work for you, and with you! Together, we'll gather the details of your situation, thoroughly investigate the incident, and outline the best legal options for you. Whether you need guidance through the entire process, assistance in negotiating with the insurance company, or representation in court against a negligent driver or insurer, we've got your back. We're not afraid to take a strong stance to ensure you get the compensation you're entitled to.

Contact our office today for your free consultation.

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Latest News in Halifax, NC

Halifax Academy gives donated cereal to Rewritten Story Foundation for western NC: Tracy Story emphasizes importance of giving

ROANOKE RAPIDS — On Wednesday, Halifax Academy donated 333 boxes of cereal to the Rewritten Story Foundation for those affected by Hurricane Helene in western North Carolina while highlighting the importance of serving others.The donation was presented to Tracy Story, founder of the nonprofit organization, who arrived for the private school’s monthly Devotion Assembly in the gymnasium and spoke to students in grades six through 12 in one portion and then kindergarteners through fifth in another.The Rewritten Story F...

ROANOKE RAPIDS — On Wednesday, Halifax Academy donated 333 boxes of cereal to the Rewritten Story Foundation for those affected by Hurricane Helene in western North Carolina while highlighting the importance of serving others.

The donation was presented to Tracy Story, founder of the nonprofit organization, who arrived for the private school’s monthly Devotion Assembly in the gymnasium and spoke to students in grades six through 12 in one portion and then kindergarteners through fifth in another.

The Rewritten Story Foundation holds fundraisers to help locals in need, including building beds for children, and often delivers supplies and lending assistance to areas affected by natural disasters. Since early October, after Hurricane Helene hit, RSF crews have frequently traveled to western NC to deliver supplies and assist those in need.

“I think most of you know what happened in western North Carolina, and it’s been a big deal to us to get there and be able to help those people,” Story told the students. “So you guys have helped many times with fundraisers of different sorts, whether it was socks, it was water, sometimes it was food, but the importance of giving and the importance of getting involved in your community, that’s one of the things I wanted to talk to you about today.”

He talked about a time in Swannanoa that was hit by the storm, where his crew was working with a Baptist church. Story said a woman pulled him to the side and told him that they used to have a playground for the children, which was destroyed by the storm.

“And she asked me, could we build an ark?” he said, recalling the encounter. “And I said, wow — we can build a lot of things, but I’ve never built an ark, so I took that home with me.”

Story said he did not speak to anyone about the idea but had it on his mind while returning home until a couple of days later, late at night, he received a text message from a woman in Greenville. He said that she and her 7- or 8-year-old son were scrolling through social media when they saw that his organization was looking for playground equipment.

“Again, I hadn’t spoken about an ark,” Story said. “The young lady sends me a picture of what her son wants to donate, and it’s a boat. It’s a playground that’s a boat. So emotionally, that just charges you and gets you going. It was kind of very, very intentional. It makes you believe and know that God is looking out for us and is really up to help those people. But it put that family in the right spot with us. We were able to go get the ark. We were able to take it; we redid it, we basically rebuilt it.

“We added some slides, added some swings, and we took it to those people, and we set it up. Things like that, the involvement of that family, seeing that there was a need, and wanting to help, that’s kind of what you guys can also do.”

He explained the importance of becoming involved with the community as a young adult to make a difference. Story made it clear that there are people who are in need of them, and working together can make a difference.

“But I wanted to really inspire you to really try to get involved,” he said. “I get a little bit emotional on some of these things. When you see these places that we go to where these families have lost everything, and I mean everything.”

Story said there are still people without running water, electricity, and food.

“Getting out and getting involved is a big deal, and you guys can do that,” he said. “You’re already doing it on some levels, but the more you can do, the more you can get out and get involved and help people — it does matter. So thank you for your time. I’m very proud of all of you. You guys have so much ahead of you and so many great things that you can accomplish and do, and anything I could do to help you along the way, please feel free — be glad to help you.”

Kimberly Graybeal, public relations officer for the school, added to the topic on the importance of helping others and reminded the students of when the storm floods first came to western NC in October, how the multipurpose room was filled with donations of clothes, food, diapers and baby wipes.

“Remember how you came during your study period, or you came before school, and you helped sort all of those things?” Graybeal asked the students. “You didn’t get to go to the mountains with Tracy and help those things be distributed. But your work here, the sorting that we did here, was important because it got it ready to be taken by Tracy to be distributed there. Recently, for National Sock Day, you came together, and I don’t know how many hundreds of pairs of socks that he took to the mountains on our behalf, but you came through then, and maybe you thought it was just a little thing that you did, but you were being the hands and feet of Jesus.”

And as it turned out, Friday was National Cereal Day, which she highlighted. Graybeal then shared a story where a woman walking along a beach found the shore covered with starfish.

“There were thousands of them, and they were just dying because the tide had gone out, [and] they couldn’t get back into the water,” she said. “So this woman started picking up starfish and tossing them into the water. Well, somebody observed her doing that, and they came up to her, and they said, ‘What are you doing? You’re wasting your time. What you’re doing here is never going to make a difference.’

“And she reached down, and she picked up another starfish, and she tossed it into the water, and she said, ‘I made a difference to that one.’ So the things that we do here — whoever gets their hands on this box of cereal, whoever donated it, you made a difference in that person’s life, and it’s something that you can be proud of, and it’s something that you can go to bed at night and know that you left this world a better place than when you got up this morning, and I am thankful for all of you and for your giving hearts.”

Watkins Crew, a senior and yearbook editor with the Yearbook/Journalism team, told the Herald the yearbook staff came together with Graybeal to come up with the idea for the cereal drive. Watkins said he is in charge of the Devotion Assemblies and asked Story to come to the event, to which Graybeal suggested doing the first cereal drive for him to take back to western NC.

“I think it’s good for our community, especially us at Halifax Academy,” he said. “We get to show people that younger people like us are getting involved in helping people who need help. I take part in all the drives, and I’m always donating for anything that we have done at school.”

Watkins said he had not personally been to western NC to see the devastation but had seen the media coverage.

“It has to be tragic,” he said. “I don’t know how I could live like that, and I don’t know how they’re doing it, but I know that doing this will help them and get better.”

When asked why he cares so much about helping at such a young age, Watkins said, “I think it’s good for us to start young and do things for our community. And I just think seeing it and making a difference in someone’s life is key, and it’s good.”

Sarah Harvell, a journalism adviser at the school, said it was important for the student body to get involved with giving back.

“I think it’s fantastic that we’re able to give back, especially getting the children involved, and especially the little kids,” Harvell said. “They’ve been so excited to bring their favorite cereal, and knowing that they make a difference in children their age’s lives as well. I feel like they actually get to see what the need is. A lot of these kids don’t even realize what actually happened in the mountains. The teachers actually showed them pictures and got them involved and allowed them to share something that they actually enjoy — cereal, they love, they all love cereal, and being able to share that with the children their own age, I think, is a big help.”

When asked about the message Story and Graybeal delivered to the students, Harvell said she feels that sometimes private schools have fewer opportunities to take part in such activities to help others outside of the area.

“So exposing them to stuff that happens outside of Roanoke Rapids, I think, is a great thing,” she said. “I think this opportunity to give back is fantastic.”

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