Buck Ex Rel. Faulkner v. United States Fidelity & Guaranty Co.

Uninsured motorists coverage “is designed to further close the gaps inherent in motor vehicle financial responsibility and compulsory insurance legislation.” 7 Am. Jur. 2d, Automobile Insurance § 135, p. 460. It “is intended, within fixed limits, to provide financial recompense to innocent persons who receive injuries, and the dependents of those who are killed, through the wrongful conduct of motorists who, because they are uninsured and not financially responsible, cannot be made to respond in damages.” Annotation: 79 A.L.R. 2d 1252, 1252-53.

G.S. 20-279.21 (b) (3), in pertinent part,…