No one would intentionally ever want to be involved in a car accident but it happens anyway. This is why you are required to have car insurance so that you, and other motorists are covered in the event an accident occurs. However, there are cases that you are involved in an accident with an uninsured motorist, which complicates matters even further. If you are injured in this type of accident, then it is likely that you will have to cover all your medical bills from your pocket leading to serious financial constraints on your part. There are however a number of ways you can seek legal advice from your uninsured motorist attorney in Camden, SC.
In South Carolina, it is a requirement that every motorist have insurance to cover any personal injury or property damage. The law requires that you have at least $100,000 motor insurance that is divided into $25,000 for every person injured in the accident, $25,000 for damaged property and 50,000 that is a total cover for every accident.
Uninsured motorist coverage in Camden, SC
If the motorist liable for a car crash that led to your injuries is uninsured, then you will most likely have to pay out of pocket for your hospital bills and damage to your car. There is, however, a number of ways that you can avoid this since it is also stipulated in South Carolina law that you should have an Uninsured Motorist coverage under your auto insurance.
By law, insurance providers are required to offer this coverage to you when you are signing a contract for any auto insurance. The uninsured coverage is required such that in case you get into an accident with an uninsured motorist and you suffer bodily and property damage, as a result, the case is that they are at fault, you will be compensated. If you choose to sign and have this coverage in your insurance contract then you will not have to worry about your injuries since you will receive compensation.
Steps to take when injured in a car accident with an uninsured motorist
Call the police
The first step should be to call the emergency line and state that you are injured and need medical attention. Give all the details of the accident to the police according to what happened. Make sure that you do not leave any details since if you do, the police may not find the uninsured motorist at fault which may complicate your situation. Receive medical attention before making another move and if you are too injured, call a close family member that will ensure you are fine.
Inform your lawyer
Whether you were injured seriously or not your lawyer needs to know what happened and he should preferably get to the scene. If you do not have an uninsured motorist lawyer, then make sure to get recommendations and hire one since if the situation gets complicated, you will need his help to get legal assistance.
Get contact information and proof
You should ask for the contact information of the other motorist and any witnesses that were at the scene of the crash. Also, take good photos of the accident and any other details that will help you with your insurance claim or if you choose to file a suit.
Contact your insurance company
After you get the police report that shows the uninsured motorist at fault for the accident, you need to inform your insurance company. If you had uninsured motorist coverage in your policy, all they will need is a copy of the police report to verify that you were not at fault and will offer compensation.
In the case that you do not have uninsured motorist coverage under your auto policy, you will need your lawyer to file a suit so that you can get compensation from the liable motorist. This will probably be a long process and you may still have to cover your medical bills out of pocket, but it is possible that you will get something out of the lawsuit with guidance from your uninsured motorist lawyer in Camden, SC.
The process of filing an uninsured motorist claim is a long one since the insurance company will want to try as much as it can to pay you the least amount possible. However, with help from our Connell Law Firm legal team will ensure that the process is less hectic for you. Our experience in handling uninsured motorist cases will ensure that we apply the best legal approach to get you the full compensation that you are owed.