When you get involved in a car accident, you may suffer mild or severe injuries depending on the impact. Unfortunately, the accident can leave you financially drained because of the medical expenses and other damages that you might incur following the accident. If the accident occurred due to negligence, you can file a claim against the at-fault driver to recover the damages you incurred. But what happens if the driver is underinsured? How will you recover all the damages you incurred in the accident?
If you suffered injuries in a car accident with an underinsured driver in Charleston, South Carolina, seek legal advice from an experienced underinsured car accident lawyer such as David Aylor Law Offices. Our underinsured car accident attorneys in Charleston, South Carolina, can offer you legal counsel and navigate the process for you. Contact us today for a free consultation.
What Is Underinsured Motorist Coverage in South Carolina?
Underinsured motorist coverage (UIM) can compensate a victim for the damages incurred in a car accident involving an underinsured driver. This happens if the driver does not have enough coverage for all the damages incurred by the victim.
The main purpose of this policy is to cover up for the difference as per the policy limits of the driver’s auto insurance.
South Carolina Auto Insurance Requirements
Motorists are required by the South Carolina Department of Insurance to have liability insurance of $25,000. While this may appear high, it is never adequate in some cases where the damages incurred by an accident victim exceed the available insurance limit for the driver. This is how an underinsured motorist policy comes in. It is worth noting that not all drivers have underinsured motorist coverage because it is optional in South Carolina.
If you have underinsured motorist coverage, it may cover the extra damages that the driver could not cover. Unfortunately, some insurance companies can delay, minimize the compensation or deny it.
How Car Accident Claims with Underinsured Drivers in Charleston, South Carolina Work
If you sustain injuries in a car accident with an underinsured driver in Charleston, South Carolina, you can file a claim and recover the damages you incurred in the accident. The process can be tiring and complicated if you lack legal expertise. It is best to involve experienced underinsured car accident lawyers to help you.
At David Aylor Law Offices, we have experienced underinsured car accident lawyers who’ve handled similar claims for other accident victims and can walk the journey with you to the end. Our lawyers understand how the Charleston, South Carolina legal system works and can do all it takes to help you.
What to Do After Injury in a Car Accident in Charleston, South Carolina
If you suffer serious injuries in a car accident in South Carolina, take various steps to make your claim process seamless. The relevant insurance companies will likely ask you for evidence to prove that you suffered injuries in the accident. Here is what you should do.
- Take videos and photos of the injuries you sustained
- Collect contact information for the driver who caused the accident
- Ask for witness statements from those who were around the accident occurred
- Note down the date, time, and exact location of the accident
- Seek medical treatment and keep the records safe
Keep all the evidence handy because the insurance company will investigate the case and the medical records to understand how your injuries are related to your claim. The insurance company can be tough especially when your evidence doesn’t give solid facts to support your claim.
It is essential to speak to an experienced car accident attorney such as David Aylor Law Offices to guide you. This can help you avoid making mistakes that may compromise your claim. The lawyer can investigate the accident and gather solid evidence that can increase your chances of getting the compensation you deserve. Contact us today and let us guide you and walk the journey with you.
Why You Should Hire Charleston, South Carolina Underinsured Car Accident Attorney
David Aylor Law Offices are experienced lawyers with underinsured car accidents understand the South Carolina underinsured motorist coverage laws and can help you maneuver through the case. Our experienced lawyers can prepare a compelling case and present it to the relevant insurance companies.
Many insurance companies do not side with accident victims and would want to convince you to settle for a lower offer. This can cause you to lose a lot of money in the long run because you may never replace all the damages you incurred in the accident. This is why our lawyers are ready to fight for you and protect your rights.
We can also represent you during negotiations and litigations if needed. Our lawyers have your best interest at heart and can walk the journey with you to ensure you get the compensation you deserve. Contact David Aylor Law Offices and let us handle the relevant insurance companies for you.
Contact an Experienced South Carolina Underinsured Car Accident Lawyer Today
If you or your loved one got injured in a car accident involving an underinsured driver in Charleston, South Carolina, consult an experienced car accident attorney as soon as possible. Do not let the case overburden you. We are here for you. Our lawyers understand the complexities of South Carolina’s underinsured car accident laws and are ready to help. Contact us today for a free case evaluation.
Underinsured Motorist Accident FAQs
What damages can I recover following an accident with an underinsured driver in South Carolina?
You can recover bodily injury damages such as the cost of past and future medical treatment, lost wages, and pain and suffering.
Do I qualify to file a claim against an underinsured driver in South Carolina?
If you suffer injuries in a car accident caused by an underinsured driver, you can file a claim against them to recover the damages you incurred.
When should I contact a car accident attorney if I’m involved in a car accident with an underinsured driver?
There is no specific time when to contact a car accident lawyer. However, it is best to reach out after the accident for proper guidance and legal counsel.