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?

Answer
“Whether your uninsured motorist coverage will apply depends on your insurance company.
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. “
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Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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