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call US at (704) 759-6110

10550 Independence Pointe Pkwy, Ste 200
Matthews, NC 28105

(704) 759-6110

Semirog Law Firm, pllc is a personal injury and auto accidents law firm located in Charlotte and Matthews, North Carolina.   We are committed to providing quality legal services in a dedicated and cost-effective manner to all members of our community, regardless of race, gender, or national origin.

We have handled complicated litigation in the areas of personal injury, car wrecks, truck accidents, family and business law.  In addition, we have experience in real estate law and short-sale negotiations.

We offer standard and flexible billing arrangements for our clients, such as flat fee billing, hourly billing, and contingency fee billing depending on the type of legal matter.


Matthews North Carolina personal injury and auto accident attorneys and Charlotte North Carolina personal injury and auto accident and car accident and motorcycle accident attorneys.

Read our blog where we post recents news in developments in the personal injury and car and auto accidents law in North Carolina.  Learn interesting facts and legal concepts that will help you in your daily life.

UM, What Insurance?

Serge Semirog

Although North Carolina legislators have set a standard for automobile insurance policies for all drivers, in some cases one driver will be uninsured or underinsured.  In this case, we look at UM (Uninsured Motorist Coverage) and UIM (Underinsured Motorist Coverage).


Uninsured Motorist Coverage pays for damages that are caused by a negligent driver that has no insurance or has insurance at the level of North Carolina's minimum policy limits (ex. a driver from out-of-state).  This policy can also cover you in the case of a hit-and-run driver.  For UM coverage to apply, the only requirement is that the unidentified vehicle made contact with the vehicle occupied by the injured party (which means that it doesn't apply in the case that you return to your parked car to find it damaged).


Underinsured Motorist Coverage pays for damages caused by a negligent driver that has insufficient insurance coverage to cover all of the injured party's damages.  However, this coverage only pays up to the difference between the amount of UIM coverage and the amount of liability coverage for an underinsured vehicle.  

These types of coverage can be found in your personal policy, in the insurance policy for the vehicle, in the policy for the driver, in the policy of any of the injured party's family members, or in any commercial policies that may insure the injured party.  

It is important to note that North Carolina allows inter-policy stacking.  For example, if you have UIM coverage for $100,000 and your parents have UIM coverage for another $100,000, your total coverage goes up to $200,000! 

By Serge SemirogGoogle +