North Carolina requires all drivers to carry both uninsured (UM) and underinsured motorist (UIM) coverage equal to their liability limits. If the driver who hit you in Charlotte had no insurance, you can file a UM claim under your own policy. If their coverage is insufficient to cover your losses, your UIM coverage fills the gap. Approximately 6.5% of North Carolina drivers carry no insurance despite the legal requirement. It is important to understand that even when filing against your own insurer, the company may still act adversarially. NC’s contributory negligence rule applies here, too; adjusters will look for any evidence of your fault to deny the claim.