What Happens In a Crash Involving an Uninsured Motorist?
In South Carolina, there are certain requirements when it comes to auto insurance coverage drivers must carry. For instance, all vehicle owners must have liability auto insurance amounting to $25,000 for bodily injury or fatal damages to one person in an accident, $50,000 for bodily injury or fatal damages for all parties involved in the accident, and $25,000 for property damage.
Another requirement is for South Carolina drivers to carry uninsured motorist coverage with the same minimum liability amounts as above. This is used to protect you and your passengers should you be harmed in a car accident involving an uninsured motorist.
Who Is Supposed to Pay?
When you have uninsured motorist coverage, any claim following the crash with an uninsured driver goes through your own insurance provider. Similarly, this coverage is supposed to help should you be hit and the negligence driver flees the scene.
Your insurance company will pay based on the limits of your coverage. The higher the limits you pay for with the premium, the more you may be eligible to receive. For instance, if you have the minimum coverage, but damages amount to more than the amount for which you have coverage, you would be responsible for the excess.
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Can My Own Insurance Company Deny My Claim?
Unfortunately, not all insurance companies really look out for their policyholders. They’re more focused on their own profits and solely aim to keep from paying out more than they need to—sometimes even trying to avoid even paying at all.
Because of this, it’s possible that your own insurance company may deny your claim for compensation wrongfully. When this happens, you need to find the necessary ways to protect your rights. After all, you pay for the coverage; you should be entitled to compensation when the situation calls for it.
At Anastopoulo Law Firm, we are focused on helping the injured seek the compensation they deserve, especially if they are denied by their own insurance company. You trust the insurance company to help you, but when they break that trust, they should be held accountable.
Our South Carolina car accident lawyers are here for you every step of the way. Trust that our priority is helping you move forward and seek the most favorable outcome you deserve.