Chalreston, SC Car Accident Attorney
Charleston Car Accident Lawyer
If you were injured in a car accident and it wasn’t your fault you should consult Charleston Car Accident Lawyer Dale Savage for a free consultation. Under South Carolina insurance laws you may be entitled to compensation for your:
Why You Need a Lawyer on Your Case?
Preparing your case takes more than a quick phone call. It’s important to understand what it takes to prepare your case for trial if a settlement is not reached, this can include:
Did you know that insurance companies make money by investing your premiums? That means they have an incentive to delay or deny your claim for as long as possible to maximize their profits, there first goal is not to make you whole. If you are like many policyholder’s, the first time you’ve really looked at your coverage is after you had an accident. That’s why you need to consult a Charleston car accident lawyer to understand your policy and rights.
What is Personal Injury Protection?
Personal injury protection (PIP) is additional coverage that you can add to your vehicle policy. Importantly, PIP is known as “no-fault coverage” meaning it doesn’t matter if you were at fault in the accident, you are still covered by it up to the policy limits. It also covers other occupants in your car at the time of the accident.
What is an Uninsured/Underinsured Motorist?
Uninsured Motorist (UM) coverage is mandatory for all automobiles insurance policies in South Carolina. If the at-fault driver is uninsured, then the Uninsured Motorist coverage under your own policy will provide coverage (up to your policy limits) for your medical bills, injuries, pain and suffering and other damages caused by the at-fault uninsured driver. Sometimes you may even have Uninsured Motorist coverage even if you personally don’t have automobile insurance policy.
Uninsured Motorist coverage may also cover you if injured by a hit-and-run driver, under certain circumstances.
If this situation applies to you then you may need to file an action against your own insurance company to enforce the policy and recover the maximum compensation from your policy. That’s why it’s important to contact a Charleston Car Accident Lawyer to discuss your case and understand if you have coverage and how much.
Underinsured Motorist (UIM) coverage in South Carolina is optional. If you do have this type of additional coverage (I recommend you do) then if the at-fault driver does not have enough liability insurance coverage to pay for your injuries and harm, the Underinsured coverage under your own policy will provide coverage that goes above the at-fault drivers limits (this is limited by the amount of coverage you elect to choose).
Do I need a Lawyer if I Have UM/UIM Coverage?
The honest answer is not always. But it doesn’t hurt to consult an attorney before you decide to resolve your case. To make a claim for Uninsured (UM) or Underinsured (UIM) Motorist coverage you are asking you own insurance company to pay for benefits that were the fault of another driver, not you. Sometimes insurance companies are reluctant to pay the full benefits to you despite having a duty to handle your claim fairly.