Filing a Car accident claim in South Carolina can be complicated, especially if you are recovering from painful injuries. It’s important to know what your coverage limits are if you want to ensure that your expenses and medical bills will be paid. After all, if you exceed your policy limits, some of your costs may not be covered, leaving you stuck with hefty bills and an array of stressful problems.
Here, we will discuss what to do if you are filing a car accident claim in South Carolina and are concerned that your bills may exceed your insurance coverage limits. We will also discuss some basics of filing a car accident claim in South Carolina and how a lawyer can help.
How to Proceed if A Car Accident Claim in South Carolina Exceeds Policy Limits with Insurance
After a car accident, filing a claim can help you receive the compensation that you need to recover from your losses. However, sometimes, injured victims need more compensation than a claim offers because the damage from a collision exceeds the insurance limits. When this occurs, there are still plenty of options available.
For example, you may be able to recover costs by filing a personal injury lawsuit against additional defendants. Or, you could try recovering costs through umbrella policy guidelines or other insurance policies in place designed to help victims in situations like this. In any case, if you’re in a situation where insurance coverage seems to be lacking, hiring a lawyer may be the best option.
What Can a South Carolina Car Accident Lawyer Do to Help Me Get My Full Claim Amount Paid?
They’re all sorts of things that a lawyer can do to help ensure that the entire claim amount you need gets paid out. Your Rock Hill car accident lawyer and their team will work diligently to ensure you recoup the amount necessary to cover your actual expenses following a disastrous collision! Here are some things your lawyer can do.
✅Review Your Coverage Options
For one thing, your car accident lawyer can do a deep dive into your policy coverage and help you review all available insurance policies that may apply to your situation. For instance, sometimes, umbrella policies that offer extra coverage in other areas are overlooked by claims adjusters. These umbrella policies are designed to cover additional liabilities that may exceed a regular coverage amount.
✅Take Legal Action and File a Lawsuit Against the At-Fault Driver
A lawyer can also help you bring a lawsuit against the at-fault driver or see what other legal avenues may be available. You may be able to recover additional damages directly from the defendant involved in your car accident with a personal injury lawsuit.
Judge orders, wage garnishments from the driver at fault, and lawsuits may also be implemented. These options can be used to help victims pay for damages following an accident that was not their fault.
✅Dealing with Insurance Claims Adjusters
Your lawyer can also help by speaking with insurance claims adjusters and providing an adjusted, accurate valuation of your personal injury claims case.
What Will Happen if a Car Accident Claim in South Carolina Exceeds My Insurance Limits?
The right approach to your car accident claims situation can vary depending on the unique circumstances of your case. However, you should know that plenty of legal options are available to you if your financial needs are greater than the claim amount offered by insurance. Indeed, total damages and insurance limits often differ, leaving individuals with problematic bills that require assistance.
Understanding Policy Limitations as You File a Car Accident Claim in South Carolina
In South Carolina, all motorists are legally required to have a minimum amount of insurance coverage. These insurance coverage amounts are:
– $50,000 coverage for total injuries after an accident
– $25,000 for property damage from an accident
– $25,000 of coverage for injuries per person involved
While many people choose to get additional coverage, some people don’t have insurance at all, leading to the need for uninsured motorist insurance coverage. If you were hurt in a car crash and the cost of your expenses is more than what the other driver’s Insurance limit is, it may be time to call an attorney to make sure that your rights are protected.
When to hire a Rock Hill car accident lawyer to help you with claims?
Sometimes, injured victims feel that since an accident isn’t their fault, they don’t need to hire an attorney. Sadly, even if you are found to have no liability in an automobile crash, an attorney may still be necessary as you file a car accident claim in South Carolina. This is because, in many instances, for-profit insurance providers will take every possible measure to reduce the claim amount they have to pay out.
Hiring a Rock Hill car accident lawyer can be helpful for essentially every victim. This is true even if you aren’t sure how valid your claims are. Additionally, if you are wondering if the amount you need to recover after your accident will be covered by your insurance provider, a Rock Hill car accident lawyer should be able to provide answers right away.
Your Rock Hill car accident lawyer will be able to advise you before you speak with a claims adjuster to help ensure that you receive the largest net recovery amount possible. As such, you should try and retain legal help as soon as you can after your accident to help you avoid making costly mistakes in the claims filing process. This is especially true if you were wrongfully injured and an accident was determined to be the fault of the other driver.
