Auto insurance covers medical expenses and property damage resulting from a crash, but what happens if the other driver involved in your collision does not have insurance? How will you pay these costs, which can often be significant depending on the severity of your accident injuries? Fortunately, you do have some recourse to recover the cost of your damages, even if you are in an accident with an uninsured driver. There are several different options for collecting damages in this scenario. Some involve choosing certain types of auto insurance to protect you in the event you are involved in a wreck with driver who has no car insurance.
- Collision coverage: Collision insurance coverage is available, in addition to your required liability coverage. It covers damage to your vehicle after an accident with an uninsured driver or a hit-and-run driver. South Carolina does not require drivers to purchase collision insurance.
- Uninsured motorist coverage: Uninsured motorist coverage (UIM) is additional coverage available for purchase from your auto insurance provider. It protects you if you are in an accident with an uninsured driver when they are at fault for the crash. Car insurance companies are required to offer it to consumers, but it is only mandatory in a few states. UIM is mandatory in South Carolina.
- Lawsuit: Some drivers believe their insurance company should not have to pay for damage caused by an uninsured driver. They may instead choose to file a personal injury lawsuit. In some states, this is not permitted under the law. No-fault car insurance states make residents responsible for paying for their own damages. However, South Carolina is a tort-liability state, where the driver who was not at-fault for a car accident can sue the driver who was at-fault for damages.
If you are considering filing a claim against an uninsured driver, it is important to consider the likelihood of recovering all the compensation you deserve. More than likely, the driver does not carry insurance because they cannot afford it and thus, will not be able to pay you. Before you decide to sue the other driver, your Columbia car accident lawyer may choose to conduct a thorough discovery looking for any hidden assets they may possess. Another option may be to file a claim with your own insurance company. Because every accident is unique, it is important to consult an experienced car accident lawyer before making any important decisions regarding your accident.
Columbia Car Accident Lawyers at Chappell Smith & Arden, P.A. Protect Victims from Uninsured Drivers
Do not be discouraged if you are in an accident with an uninsured driver. While your medical bills and auto repairs may seem daunting, the Columbia car accident lawyers at Chappell Smith & Arden, P.A. are here to help. For decades the firm has been fighting for clients throughout South Carolina, protecting the rights of the injured and holding negligent parties responsible. Call 866-881-8623 or 803-929-3600 or contact us online to schedule your free initial consultation today.
We proudly serve clients throughout South Carolina, including those in the areas of Columbia, Aiken, Camden, Sumter, Orangeburg, Greenville, Florence, Beaufort, Irmo, Spartanburg, Myrtle Beach, Hilton Head Island, West Columbia, Rock Hill, Charleston, Lexington, Winnsboro, Summerville, and throughout the areas of Lexington County, Richland County, Sumter County, Charleston County, Aiken County, Florence County, Lancaster County, York County, Spartanburg County, Orangeburg County, Kershaw County, and Newberry County.