Q. What do I do if I am in a motor vehicular wreck?
A. We know that you are not able to ascertain the ways to go about insuring you will be taken care of by the at fault driver’s insurance company but there are certain things you should do to ensure the best results.
Q. Why will the at fault driver’s insurance company not call me back or talk to me?
A. They don’t care about you. Plain and simple. Insurance is the biggest business in the world and you are one person who wants to take money that the insurance companies will not be able to keep in their big reserves to make interest on. If they delay you long enough you will go away. You can not afford to go against an insurance company on your own because they are big and you are small.
Q. Why is the insurance company trying to offer me money hours after my accident?
A. People have not yet felt the physical impact of the injuries they may have received in the wreck and if the insurance companies are able to get you to settle your claim right then and there before your injuries set in you cant come back to them in a few months and ask for more money.
Some forms of whiplash injuries, neck injuries, and back injuries take a couple days to show themselves in the human body, ie through soreness, tightness, and loss of range of motion. Therefore if you settle the day after the wreck you dont realize the true extent of your injuries and the amount of damages the at fault insurance company is responsible for is relatively low.
Q. What if I get in a wreck and the at fault driver drives off?
A. You may still have a cause of action against them. Check to see if there were any witnesses, if there was any property damage, and try to get the at fault driver’s description or license plate number.
Q. What if the at fault driver doesnt have adequate car insurance?
A. South Carolina law mandates that everyone with a valid driver’s license and who drives a vehicle on South Carolina roadways have minimum limits of insurance and Uninsured insurance (UM). Uninsured insurance covers you for instances when the other car has no insurance. This would be an instance where you having paid your premiums to your insurance finally pays off in rewarding you for someone else’s stupidity and your responsibility. There are also additional forms of insurance you may or may not be aware that you have such as PIP & UIM.
Q. What are important things to know about my insurance policy or buying an insurance policy?
A. Minimum liability limits in South Carolina are 25,000/50,000/25,000. This means that if you are in a wreck and it is the fault of the other driver and have minimum limits the most anyone person can receive for personal injury claims is $25,000 and the most any number of people above one could receive from the whole accident is $50,000. The most property damage amount that could be awarded is $25,000.
If that person had no insurance your insurance policy would provide you with the minimum limits of liability unless you otherwise made note on your insurance policy for a higher limit of Uninsured insurance.
HUH? You are allowed to buy more insurance than the minimum limits and that would be suggested if you have a more expensive car and want the security of knowing you will be covered if someone else hits you and has no insurance. Additionally, you can purchase an insurance called Underinsurance (UIM) which would come into play if you were struck by someone else and they only had minimum limits yet caused you extensive injuries in excess of $25,000. Therefore the UIM policy limit you bought would come into play in the amount over $25,000. FOR EXAMPLE: Say you were hit by a car who was found to be at fault and they only had minimum limits as set out by South Carolina law. You were injured really bad and had medical bills, lost wages, and rehabilitation bills in excess of $25,000. The most you could received from the at fault driver’s insurance company is $25,000 no matter how far over that your bills are. So what do you do? You hope that you bought UIM at least on a minimum level. That would provide you with an additional $25,000 in coverage that you had been paying for on your insurance policy just in case an incident like this occurred.
Another important thing most insurance companies dont tell you about is PIP or Medical payment coverage. This coverage is considered to be an additional coverage you can purchase which can be provided in various increments. Medical payment coverage is NO FAULT coverage that pays your medical bills up to the limit you purchased. FOR EXAMPLE: Say you bought $2,500 in medical payment coverage and you were in a wreck. The policeman indicated that it was your fault and you incurred injuries. Your medical payment coverage would pay you up to $2,500 in medical bills you incurred because of the wreck regardless that it was your fault.
********Contractual terms may vary depending on your policy and insurance company. This is only meant to be a general overview and is not specific to any company or policy.*************
Q. What if I have this very unusual incident that occurred and I am not sure it has ever happened before?
A. You’re right it probably hasn’t but the crazy incidents that people before you have gotten involved in have helped shape our present day judicial system and legislative law. So give us a call. If we can’t help you we probably know someone that can.
Q. What if...?
A. We are personal injury attorneys that have over 50 years of combined experience and more than likely we have seen this type of problem before or if we haven’t we know how to go about getting an answer.
We care about you, we care about this community, and we care about helping those less fortunate who have been injured by the negligence and/or stupidity of others.