Car Accident Lawyer in Lexington SC
Lexington Car Accidents with Uninsured and Underinsured Motorists
Seeking reimbursement for the damages or injuries from a Lexington automobile accident with an uninsured driver is a challenging task. The difficulty here is that the driver that caused the accident and who doesn’t have car insurance to pay for your damages or injuries probably also does not have the financial resources to cover your damages. What are your options to obtain damages in such a case? A lot of Lexington auto accident victims find themselves in this situation, and the Michael Jeffcoat Firm is familiar with the laws and difficulties of uninsured driver accidents.
Drivers Have to Carry Certain Minimum Coverage Amounts in Car Insurance
In Lexington, every motorist is required to carry automobile insurance in case there is a collision. Every state government has different minimum amount requirements. However, Lexington doesn’t require you to have UIM coverage (uninsured/underinsured motorist coverage) on your policy, though it does require your insurance company to offer it. This is the insurance that you can turn to if the responsible driver lacks coverage or does not have sufficient insurance to address your damages or injuries. All drivers in Lexington are lawfully required to carry at least $25,000 in bodily injury insurance coverage for each person, a minimum of $50K for bodily injury for each incident, and no less than $25,000 for damage to property. It is advisable that people also have the same minimal insurance coverage amounts on their insurance policies for Uninsured Motorist coverage.
Other options to make sure you have enough insurance coverage in case there is an auto accident in Lexington include purchasing medical payments coverage, comprehensive coverage and collision coverage. You can even acquire insurance coverage for rental reimbursement, as well as towing, and labor expense policy coverage.
The challenge appears whenever the at-fault motorist is violating Lexington laws by not carrying automobile insurance coverage – and/or if neither of you have sufficient policy coverage to deal with your damages. When this describes your plight, a Lexington car accident lawyer can help.
What Else Can You Try Following An Accident Involving an Uninsured Driver in Lexington?
It’s possible to initiate a civil action (or lawsuit) against the liable driver when they don’t have the mandatory insurance coverage to pay your expenses. The Michael Jeffcoat Firm can help you in this process. Still, this is not always a productive method of covering your damages if the uninsured motorist hasn’t got the economic resources to pay.
Your ideal alternative would be to rely on your own auto insurance plan to collect damages with your own UIM coverage and other forms of optional policy coverage that you might have. This doesn’t indicate it’s going to be easy, though. Many people think that their insurance provider will be there for them, but ultimately they will try to pay out a lot less than what you deserve. They’re hoping that you won’t use a car accident lawyer and that you will merely take their smallest offer. You’ll be able to avoid being cheated by your insurer and collect the settlement which is owed to you by working together with the skilled car accident lawyer at the Michael Jeffcoat Firm in Lexington. Call now for a complimentary consult.