Yes. North Carolina law requires all drivers to carry uninsured motorist (UM) coverage equal to their liability limits. If you were hit by an uninsured driver, you can file a claim under your own UM coverage for your medical expenses, lost wages, and pain and suffering. If the at-fault driver was underinsured, meaning their policy limits are insufficient to cover your damages, your underinsured motorist (UIM) coverage makes up the difference. North Carolina also imposes serious legal consequences on uninsured drivers, and our attorneys can help you pursue all available avenues of recovery, including, in some cases, a direct personal lawsuit against the uninsured driver.