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If you or a loved one were involved in a motor vehicle crash with an uninsured at-fault driver, you may be unsure of what to do next as well as the types of recoverable damages that may be available. In the State of South Carolina, registered vehicle owners are required to carry uninsured motorist coverage policy limits of $25,000 per person, $50,000 per accident, and $25,000 property damage coverage in addition to mandatory liability insurance.
Those who have been injured in uninsured accidents may be able to seek legal recovery through their own policy. A Lancaster uninsured car accident lawyer could help you file a claim with your insurance carrier and ensure your legal interests are protected so you do not forfeit any compensation which may be due to you.
An experienced personal injury attorney could assist you through each phase of the claims process and fight aggressively for the total damages you need for your physical and financial losses.
Deadline to File an Uninsured Car Wreck Claim in Lancaster
South Carolina Code § 15-3-530 establishes the statutory deadline to file a car wreck lawsuit, which is three years from the injury date. In order to ensure any potential right to compensation is well-protected, uninsured auto accident victims should reach out to a Lancaster attorney as soon as they can following a collision. If the injured party waits and does not file their claim within the three-year time limit, they would miss out on compensation altogether.
Forms of Compensation Which May be Achievable
When someone is injured in a car crash, they may sustain injuries such as bone fractures, neck injuries, back injuries, spinal cord injuries, broken bones, and head injuries. As a result of any of these types of injuries, victims may suffer considerable financial losses due to medical bills and time missed from work. Injured individuals may have several forms of compensation available through their uninsured motorist coverage to pay for the harms they have endured, including their past and future lost wages and medical expenses.
The Uninsured Auto Accident Claims Process
If someone is injured in an auto accident and there is no insurance available from the other side to compensate for their damages, they should alert their insurance carrier as soon as possible that they intend to seek compensation under their own uninsured motorist coverage. Despite the fact that the claimant would be dealing with their personal insurer when filing for compensation, a diligent Lancaster uninsured car wreck attorney should still be retained.
Even when an insurance company is negotiating a claim with their own insured, they may try to pay out the least amount of compensation possible to mitigate their losses. In the event the claimant is severely injured, they could risk losing out on compensation, which may be owed to them in the absence of a legal advocate to fight for the full and fair value of their case.
Once a claim is filed through the injured party’s uninsured motorist coverage, the insurance company would thoroughly investigate their case before determining whether to award compensation. The claimant would be required to supply evidence to support their claim, such as medical records detailing their injuries and pay stubs proving lost wages. A skilled attorney could safeguard the claimant’s right to recovery by helping them show that the at-fault motorist was negligent and collecting all related evidence necessary to their case.
Get in Touch with a Lancaster Uninsured Car Accident Attorney As Soon As Possible
When a negligent motorist causes a crash and flees the scene of the accident, or fails to carry the minimum liability coverages the law requires, the accident victim may be able to secure compensation under their own policy. A Lancaster uninsured car accident lawyer could negotiate with your insurance company on your behalf and provide the staunch advocacy needed to assert a forceful compensation claim.
Set up your confidential consultation and discuss your case with an experienced attorney at Schiller & Hamilton today.