South Carolina Automobile Insurance: What You Need to Know
Contact our Car Insurance Dispute Lawyers at the Strom Law Firm to protect your rights and obtain the compensation you deserve.
Whether you
are driving on I-20, I-77 or headed downtown on I-26, a single moment can change your life. Even if it is not your fault, a car accident can leave you with mounting medical bills, lost wages, and a totaled vehicle. But what do you do if you are in a car accident or motorcycle accident and the one at fault is an uninsured driver?
Don’t give up.
When you hire Law Firm Strom, we will review all possible sources of coverage to help ensure that you receive the money you deserve for your injuries. Many people do not realize what their own insurance policy may cover or that an uninsured driver’s policy does not always provide sufficient protection.
What is the Difference Between Uninsured and Under-insured?
Both uninsured car insurance and under-insured car insurance are options in South Carolina. Under-insured coverage is for accidents that result in injuries and the person at fault does not have enough insurance to pay for the damages. A driver who does not have any auto insurance and causes an accident is legally defined as an uninsured driver.
How Can I Protect myself against Uninsured and Under-insured Motorists?
Have a conversation with your car insurance agent in South Carolina to talk about acquiring coverage for uninsured and under-insured motorists.
If you happen to get injured in a car crash and the driver responsible for the accident does not have insurance or has inadequate coverage, it is advisable to acquire a policy to provide compensation for your injuries.
We can weed through the legal verbiage to help you recover in a long way. The auto accident attorneys at Strom Law L.L.C. Law Firm have handled numerous cases of property damage and personal injury. We are familiar with insurance cases, even if they involve property damage and personal injury.
South Carolina Minimum Insurance Requirements
25/50/25.
The amount that the recovery of possible depends on will be distributed accordingly, of course. If there are more than two injured people, the policy limit is still $50,000.00. If the accident is your fault and there is one or more person injured as a result, the policy limit is $50,000.00. The last number applies to property damage. The first two numbers apply to bodily injury.
If you are at fault in an accident, your insurance provider will cover property damage expenses up to $25,000.00 for the other driver.
In the unfortunate circumstance of an accident, if the coverage you possess is inadequate to compensate for the injuries sustained by the other party and you are determined to be at fault, you may be personally responsible.
Dealing With Insurance Companies
Many insurance companies will try to make you settle for less than what is owed. Dealing with an insurance company alone can be very frustrating and complicated. If you are in the middle of a car insurance dispute, you may want to seek help from a knowledgeable car accident attorney if the company is acting in bad faith.
These acts may be considered illegal and can prevent you from getting the money you are owed. Car insurance companies may engage in acts of bad faith, including unreasonable delays in processing claims and underpayment claims.
If your vehicle is found to be a total loss, you are entitled to the fair market value of your prior vehicle. If your vehicle is being repaired, the car insurance company should offer reimbursement for the loss of use. If you have been involved in a wreck due to no fault of your own.
If you believe that the car insurance company is unfairly treating you, contact the Law Firm of Strom today for a free consultation. Our goal is to ensure that you receive fair payment from car insurance companies, and our attorneys have the necessary experience in auto accident litigation in South Carolina. Don’t accept less than what you are owed from car insurance companies. The Law Firm of Strom, L.L.C. Will assist you in fighting for the compensation you deserve.