Motorists in South Carolina are required to have car insurance, but that doesn’t stop certain uninsured drivers from hitting the road anyway. When uninsured motorists cause accidents and injure other drivers, victims are usually left with a million questions about who will pay for their medical bills, lost wages, and other accident-related expenses. This is when uninsured motorist coverage comes into play.
South Carolina has a relatively high percentage of uninsured drivers on the road, with about 6.2% of drivers being uninsured. The annual cost of fatal accidents in South Carolina is estimated to be over $1 billion, highlighting the importance of having sufficient uninsured motorist coverage.
What Happens If The Person at Fault In An Accident Has No Insurance?
If the person at fault in an accident in South Carolina does not have insurance, you can turn to your own insurance policy for coverage. South Carolina law requires all drivers to carry uninsured motorist coverage, which provides protection if you are involved in an accident with an uninsured driver. Additionally, you may have the option to purchase underinsured motorist coverage, which can provide additional protection if the at-fault driver does not have enough insurance to cover your damages.
To file a claim with your own insurance carrier, you will need to contact them and provide details of the accident and the at-fault driver’s lack of insurance. Your insurance company will then process and investigate the claim to determine the coverage and compensation you are entitled to.
In South Carolina, you may also have the option to stack uninsured policies, which means you can combine coverage from multiple vehicles or policies to increase the amount of compensation available to you.
An Overview of Uninsured Motorist Coverage in South Carolina
Uninsured motorist coverage in South Carolina is mandatory, with the state requiring a minimum coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. Drivers in South Carolina have the option to purchase higher coverage amounts to protect themselves in the event of an accident with an uninsured or underinsured driver.
What Damages Will an Uninsured Policy Cover in South Carolina?
In South Carolina, an uninsured policy will typically cover damages such as medical bills, lost wages, future medical costs, lost earning capacity, and mental anguish. This means that if you are involved in an accident with an uninsured driver, your uninsured policy will help cover the costs of your medical treatment, any income you may have lost due to the accident, as well as any future medical expenses and lost earning capacity. This coverage is crucial in protecting you from the financial strain caused by accidents with uninsured or underinsured drivers.
Uninsured motorist coverage is important because it provides financial protection in the event that you are involved in a car accident with a driver who does not have insurance or does not have enough insurance to cover your expenses. Without this coverage, you could be left paying for these costs out of pocket. In South Carolina, where a significant number of drivers are uninsured, having uninsured motorist coverage is essential for ensuring that you are protected in the event of an accident.
Uninsured Motorist Coverage vs. Underinsured Motorist Coverage
Uninsured motorist coverage provides protection in the event that you are involved in a collision with a driver who does not have insurance. This type of coverage pays for medical expenses and property damage caused by the uninsured driver. Underinsured motorist coverage, on the other hand, applies when the at-fault driver has insurance, but the coverage is insufficient to fully cover your expenses. In this case, your underinsured motorist coverage would make up the difference.
For example, if you are involved in a hit-and-run accident and the other driver cannot be identified or does not have insurance, your uninsured motorist coverage would apply. If you are in a collision with a driver who has minimal insurance that does not cover all of your medical bills, your underinsured motorist coverage would come into play. In South Carolina, auto insurers are required to offer you underinsured motorist coverage, but you are not required to purchase it.
Can You Sue An Uninsured Driver in South Carolina?
In South Carolina, if you are involved in a car accident with an uninsured driver, you have the option to pursue legal action to recover damages. The first step is to file a lawsuit against the uninsured driver in civil court. Legal requirements include proving that the driver was at fault for the accident and demonstrating the extent of your damages. It’s important to gather evidence such as witness statements, police reports, and medical records to strengthen your case.
One potential challenge in suing an uninsured driver is their lack of assets to cover the damages. In such cases, you may consider other options for recovering damages, such as seeking compensation through your own uninsured motorist coverage or exploring the possibility of garnishing the driver’s wages or assets. Another factor to consider is the costs involved in pursuing legal action and the likelihood of successfully recovering damages.
Key factors to consider when deciding whether to sue an uninsured driver in South Carolina include the extent of your damages, the driver’s ability to pay, and whether you have uninsured motorist coverage.
Potential outcomes of filing a lawsuit against an uninsured motorist in South Carolina include placing a lien on the defendant’s property or seizing a percentage of their wages to satisfy the judgment. These options allow you to potentially recover the damages you’ve incurred as a result of the accident, even if the at-fault driver is uninsured.
It’s important to consult with a qualified attorney who specializes in personal injury and car accident cases to understand the specific legal options available to you and navigate the legal process. Ultimately, filing a lawsuit against an uninsured motorist in South Carolina can offer a way to seek compensation for your losses, even if the at-fault driver is unable to pay immediately.
Claiming Compensation from a Third Party
If you have been involved in a car accident with a third party, such as an uninsured driver or due to an auto defect, you may be eligible for compensation from the third party involved. To identify and claim compensation, gather as much evidence as possible, such as witness statements, photographs, and police reports, to establish the third party’s liability. In the case of an auto defect, you may need to work with a qualified mechanic or expert to diagnose the issue and determine the manufacturer’s liability.
Examples of when to pursue compensation from a third party include being hit by an uninsured driver, or if you were injured due to a car defect. To navigate the complex process of car insurance and personal injury claims, it is advisable to seek legal advice and guidance from a personal injury attorney. They can help you understand your rights, negotiate with the third party’s insurance company, and represent you in court if necessary.
By thoroughly documenting the accident and seeking legal support, you can increase your chances of successfully claiming compensation from a third party for damages and personal injury.
Why You Need an Attorney to Assist With an Uninsured Motorist Claim
When seeking assistance for an uninsured motorist claim, the first step is to gather all necessary documentation related to the accident and the insurance policy. This includes police reports, medical records, correspondence with the insurance company, and policy documents.
It is crucial to find an attorney with experience in handling these types of claims and negotiating with insurance companies because they have the knowledge and skills to navigate the complex legal and insurance processes. They can effectively advocate for your rights and secure the maximum compensation for your injuries and damages. An experienced attorney understands the tactics and strategies used by insurance companies to minimize payouts and will work tirelessly to protect your interests. By finding the right attorney, you can ensure that your claim is handled with expertise and diligence, maximizing your chances of a favorable outcome.
Contact McWhirter, Bellinger & Associates today
Are you in need of legal assistance for your uninsured motorist claim? Look no further than McWhirter, Bellinger & Associates. Our experienced team of attorneys is ready to provide you with the help and support you need during this challenging time.
You can easily contact McWhirter, Bellinger & Associates today by calling our office at 803-836-9148 If you happen to be in the area, feel free to stop by one of our offices in Aiken, Camden, Columbia, Lexington, Newberry, Orangeburg, or Sumter.
At McWhirter, Bellinger & Associates, we are committed to fighting for your rights and helping you receive the compensation you deserve. Don’t hesitate to reach out to us today and take the first step toward resolving your legal matters. When it comes to personal injury cases, you can trust our team of dedicated attorneys to provide you with the best possible representation.
