When a negligent driver causes an accident in South Carolina, the victims usually file claims with that driver’s insurance to cover their damages. The state requires all drivers to carry a certain amount of liability insurance for this reason.
Yet, the Insurance Information Institute (III) reports that at least 9.4% of drivers in South Carolina had no motorist insurance in 2015. Even when a driver carries the minimum coverage required by law, it may be insufficient to cover the damages of a serious accident. In these scenarios, the victims may be left facing high medical expenses, vehicle repair bills, and other losses.
At George Sink, P.A. Injury Lawyers, our Mount Pleasant uninsured motorist accident lawyer can help you identify potential sources of insurance coverage as well as develop a comprehensive strategy to help you maximize compensation for your losses. Our legal team can as well help you file a personal injury claim all in efforts to recover damages for medical bills, lost wages, and other losses.
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Mandatory Auto Insurance in South Carolina
In South Carolina, the law requires vehicle owners and drivers to carry a certain amount of auto insurance in case of an accident. According to the South Carolina Department of Insurance (SCDOI), your auto insurance policy in must include at least:
- $25,000 in bodily injury coverage for one injured person.
- $50,000 per accident of bodily injury coverage.
- $25,000 of property damage coverage.
Liability coverage applies when a driver causes an accident that leads to another party’s injuries and damages. This means that to recover compensation in a South Carolina accident, victims must file an insurance claim with the responsible driver’s insurance. When a driver has little to no liability coverage, the victims of their negligence must seek another avenue for compensation.
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Your Insurance Can Cover an Accident with an Uninsured or Underinsured Driver
After an accident with an uninsured or underinsured driver, you may still be able to recover compensation for your economic damages such as medical bills and lost wages. To do so, you will need to file a claim under your uninsured or underinsured motorist coverage.
Uninsured Motorist Coverage
South Carolina requires all drivers to purchase uninsured motorist coverage along with their liability policy. This insurance provides the same 25/50/25 coverage, but it applies to you in the event that an uninsured driver causes your accident.
Underinsured Motorist Coverage
Similar to the uninsured motorist coverage, underinsured motorist protection will help you pay expenses if an underinsured driver causes your accident. Unlike uninsured policies, this coverage is not mandatory, though the law requires insurance companies to offer it.
Other Types of South Carolina Auto Coverage
If your uninsured or underinsured motorist policy does not provide enough coverage for your damages, you may seek compensation under another optional policy. For example, collision coverage can pay the costs of repairing your vehicle.
Similarly, medical payments coverage can allow you to submit your medical bills to your insurer and request a reimbursement for the bills up to the amount of the coverage you purchased.
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Filing a Personal Injury Lawsuit in South Carolina
Depending on the circumstances of your case, you may also be able to pursue compensation from an uninsured or underinsured driver through a lawsuit. This may be especially necessary if you suffered severe injuries. If your own coverage is not enough to cover your medical treatments and other damages, this may be the only remaining option you have.
A Mount Pleasant uninsured motorist accident lawyer can advise you on the process of filing a personal injury lawsuit and help you understand your legal rights. Moreover, an attorney can guide your case through this process from start to finish.
If a lawsuit is necessary to cover your damages, the legal team at George Sink, P.A. Injury can help you with investigating all the aspects of the accident and building a case to present in court.
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We Can Help You Seek Compensation for Your Damages
When you are involved in an accident, the first thing to do is collect information from the other parties, including insurance and contact information. If the at-fault driver is uninsured, you will file a claim with your insurance provider to cover the expenses.
Even filing a claim under your own insurance policy will require certain paperwork and information. You will need to report the accident in a timely manner and provide evidence of the collision and your resulting injuries. Our team can help you prepare your uninsured motorist claim to ensure you account for all of your damages and submit it on time.
If you end up needing to go to court, we can assist you in preparing your personal injury lawsuit, as well. This will require additional evidence to prove the other driver’s negligence and liability for your injuries.
Get in Touch with a Mount Pleasant Uninsured Motorist Accident Lawyer Today
Whether the negligent driver in your accident has no motorist insurance or is underinsured, you have options for pursuing the compensation you deserve. Moreover, you do not have to seek this compensation on your own. Call George Sink, P.A. Injury Lawyers today to schedule a complimentary evaluation of your case.
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