South Carolina Car Accident Lawyers
South Carolina Car Accidents with Uninsured/Underinsured Drivers
Any time a car crash occurs in South Carolina and it was caused by a motorist that lacks automobile insurance, you could have an uphill struggle in front of you concerning seeking compensation for your injuries and property damage. The dilemma here is that the driver that was responsible for the auto accident and that does not have any auto insurance to pay for your damages or injuries most likely also hasn’t got the funds to pay for your damages. Is it even possible to recover compensation when this happens? Naturally, you aren’t the first person to face this. The South Carolina car accident lawyers at The Michael Jeffcoat Firm know exactly what to do.
Recognize What the Auto Insurance Requirements Are
There are minimum levels of car insurance that every South Carolina driver is required by law to keep. Such requirements differ by state, with some states also requiring drivers to keep UIM coverage (uninsured/underinsured motorist coverage). All car insurance policy providers in South Carolina must make UIM coverage (uninsured/underinsured motorist coverage) accessible to their policyholders, but you aren’t required to purchase it. It’s the coverage which you could turn to if the liable driver lacks insurance or does not have adequate insurance to cover your damages. Below are the legal minimum amount requirements for South Carolina car insurance:
- Bodily Injury or Death Per Person: $25,000
- Bodily Injury/Death Per Incident: $50,000
- Damage To Property: $25,000
Minimum Available Uninsured Motorist Policy :
- Bodily Injury or Death Per Individual: $25,000
- Bodily Injury or Death Per Collision: $50,000
- Damage To Property: $25,000
There is also the option for getting additional types of automobile insurance coverage, like collision coverage (for auto accident damage to property), comprehensive coverage (for damage due to another factor – like weather), medical payments coverage (for further medical costs), rental reimbursement (to have a rental car if required), and towing and labor coverage (for towing and certain vehicle repairs if required).
The challenge arises if the liable driver is breaking South Carolina laws through not having auto insurance coverage – or if neither of you has enough coverage to deal with your damages. This is where it will help to get a South Carolina car accident lawyer working with you, to help you examine the options and pinpoint the very best approach for your circumstances.
What Are The Options Following An Automobile Accident With an Uninsured/Underinsured Motorist in South Carolina?
A potential solution for victims of accidents with uninsured drivers would be to initiate a lawsuit against the at-fault motorist, and the Michael Jeffcoat Firm can certainly assist you to accomplish this after a South Carolina car accident. Nevertheless, this is not always a successful method of covering your damages if the uninsured person doesn’t have the assets to pay you.
Assuming you have uninsured motorist coverage, then this will probably be the most practical method of getting your damages or injuries paid for. Even so, you’ll be going up against an insurance provider which doesn’t want to pay the full value of your insurance claim. In reality, they’re likely to offer a low settlement in the hopes that you’ll accept it without meeting with an attorney. It is possible to prevent being taken advantage of by your insurance company and collect the reimbursement that’s owed by working together with the skilled South Carolina car accident lawyers at the Michael Jeffcoat Firm in South Carolina. Call now for a free of charge consult.