Finding out that the person that hit you doesn’t have insurance can worsen anxiety in an already stressful situation as you try to figure out how you’ll get the compensation you need to recover. Normally, when someone injures you in a car accident, a personal injury claim can be filed with their insurance company to help get you compensated for your injuries. However, if the person that hit you doesn’t have insurance you generally have two options to get compensation. If you have any questions about this please contact one of our South Carolina car accident lawyers today.
File a Claim with Your Own Insurance
In South Carolina, car insurance policies are required to have Uninsured Motorist Coverage (UM). If you have UM, this can help protect you. This means that if you have car insurance in South Carolina you will be at a minimum be allowed to try and claim compensation from your uninsured motorist coverage up to:
- $25,000 for bodily injury to each person in your car
- $50,000 total for all persons injured
- $25,000 for property damage
Remember, these are just the minimum amounts required by law. Check your policy to learn exactly how much UM you have.
Insurance Companies and Uninsured Accidents
This process can be very complicated. Insurance companies seem to want to make the process very difficult so they can reduce, delay or deny your claim. They don’t easily provide compensation to people. To often, this is even more true when the other driver was at fault.
They have armies of lawyers actively fighting to reduce, delay or deny their own client’s claims. It’s crazy! They intentionally try to not provide you with the compensation you were hoping to receive when you paid them for the policy in the first place. Having a good lawyer on your side that knows how to deal with the insurance company can help you have the best shot at getting all the compensation you need to recover.
Check Your Uninsured Motorist Coverage
South Carolina has over 400,000 uninsured drivers. More than 1 in 10 SC drivers are uninsured. It’s important to make sure that you have good Uninsured Motorist Coverage. Contact us today to learn more about how we may be able to assist you with this.