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Does a driver need to be identified for an uninsured motorist claim in North Carolina?
I have uninsured motorist property damage coverage. My vehicle was hit and I'm not sure who the driver is. I reached out to my insurance company and they initially said that it would be covered, but now it's looking like it won't be. Does a driver have to be identified for coverage?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
In most states, a driver needs to be identified to confirm whether or not they have insurance. Insurance companies don’t want to pay more than they’re required to.
If you have
collision coverage
and comprehensive coverage
, you would be able to submit a claim for the damage. You’d have to pay your deductible, but you’d be able to get your vehicle repaired. If you don’t have full coverage, you may need to pay for your repairs out of pocket. You should also file a police report, if you haven’t already. They may be able to find the driver and speed up the process.
If the driver is eventually found, you should be able to seek reimbursement from your insurance policy or theirs.
“
View full answer
- Gregory R.
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