South Carolina Uninsured/Underinsured Motorist Attorneys
Recovering Compensation When the At-Fault Driver Does Not have Adequate Coverage
In South Carolina, all drivers are required by law to carry auto liability insurance. In addition, all drivers must have uninsured motorist (UM) coverage. UM coverage is meant to protect people who are hit by uninsured or underinsured drivers. It covers damages such as bodily injury and property damage. However, UM coverage does not cover accidents with registered uninsured motorists. In the event that you are hit by a registered uninsured motorist, he or she will be required to pay for your damages out of pocket.
Contact Anastopoulo Law Firm if you were involved in an accident with an uninsured or underinsured motorist and are having trouble understanding your rights o have been unable to recover the compensation you are entitled to receive. Our uninsured/underinsured motorist attorneys in South Carolina can help you navigate the process from start to finish.
For a free legal consultation with a uninsured & underinsured claims lawyer serving South Carolina, call 803-222-2222
Minimum UM Coverage for South Carolina Drivers
As previously mentioned, UM coverage is mandatory for the vast majority of South Carolina drivers. Just as you are required to carry minimum liability insurance, you are also required to carry minimum UM insurance.
The minimum UM insurance in South Carolina is:
- $25,000 for injury or death (per person)
- $50,000 for injury or death (per accident)
- $25,000 for property damage
Remember, these are the minimum UM coverage requirements only. At Anastopoulo Law Firm, we strongly advise that you opt for higher coverage. While $25,000 for injury per person may seem like a substantial amount, there is a chance that your hospital and medical bills will exceed this amount. Additionally, if you are so severely injured as to require extensive, lifelong care, the minimum UM coverage will most likely not cover these costs.
Also, this does not take into account other damages you may suffer as a result of the accident, such as lost income, pain and suffering, emotional distress, and more. Settlements in car accident cases frequently reach six and seven figures for lifelong injuries.
The only alternative to carrying the required liability and UM coverage is to register as an uninsured motorist. South Carolina allows drivers to self-insure by paying an annual fee. However, this is rare because they must then accept all costs associated with a crash they cause and pay them from their personal assets.
South Carolina Uninsured & Underinsured Claims Lawyer Near Me 803-222-2222
Understanding How UM Coverage Works
While you are filing a claim based on your own insurance, when you pursue damages from your UM policy, you will still need to prove the other driver was at fault. This is true even in a hit-and-run crash when you do not know the identity of the other driver because they left the scene.
Most car accidents occur because of negligence. Negligence is defined as when careless or reckless actions cause a collision, and someone else suffers harm. This usually happens when one driver violates a traffic law or otherwise acts irresponsibly behind the wheel.
To prove fault and file a claim for UM coverage for our clients, we:
- Investigate the crash
- Gather evidence
- Obtain reports, documents, and receipts
- Value their recoverable damages
- Analyze proof and develop support for the claim
Once we have a strong case, we then:
- Prepare and file their claim
- Demand appropriate compensation from the insurer
- Negotiate for a fair settlement
First Steps to Seeking Compensation in a South Carolina Uninsured Motorist Crash
Your medical care must be your top priority after any crash. You should get treatment for any injuries, pain, or other symptoms. Your insurance coverage should pay for ambulance transportation, emergency department treatment, or other related expenses. You can also recover lost wages if you need to miss work to see a doctor or because of your injuries.
Once your injuries are stable, you can reach out to your team about your claim. Our firm can help you understand your options for getting compensation after being hit by an uninsured driver. We will answer your questions and determine how our team can help you get the money you need and deserve. We may be able to handle your claim or lawsuit with no upfront fees.
Before we can take action in your case, we will need to learn as much as we can about:
- What happened
- Who is responsible
- Their insurance coverage, if any
- Your losses, expenses, and injuries
- Your case’s value
While we handle this key part of developing your case, you can concentrate on undergoing treatment, healing from your injuries, and getting your life back as normal as possible. You do not have to worry about anything; we will manage your claim or lawsuit on your behalf.
There are deadlines for notifying the insurance company and filing your claim, but they depend on your policy. We can help you understand these deadlines and ensure you abide by any timelines that apply to your case. There are also deadlines for suing the at-fault driver if they are a registered uninsured driver.
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Trusted Legal Representation for Over 25 Years
Anastopoulo Law Firm is proud to have served individuals and families throughout South Carolina for more than two decades. Our knowledgeable attorneys have handled all types of complex car accident claims. This includes those involving uninsured/underinsured motorists. We have been featured on multiple news stations for cases we’ve handled. Our legal team has successfully recovered millions of dollars on behalf of our clients.
So, if you need assistance filing a UM/UIM claim or appealing a denied claim, our firm can help. We offer contingent fees, so there is no upfront cost for you. And you only pay attorney’s fees if and when we successfully secure compensation for you. You can reach out to our South Carolina uninsured motorist lawyers today to find out how we can help you on the path to recovery. Call (800) 313-2546 to speak with one of our team representatives today for free.