Rock Hill Motorcycle Insurance Claims
South Carolina law requires all drivers to carry liability insurance, including motorcyclists. However, your policy might not provide the coverage you need in the event of a traffic collision. If you were involved in a motorcycle accident that resulted in someone else’s injuries, you could potentially be on the hook for thousands of dollars of medical expenses and property damage.
It is wise to contact a seasoned attorney when dealing with insurance companies after a biking crash. The lawyers at Schiller & Hamilton are experienced in Rock Hill motorcycle insurance claims and could help you pursue a reasonable payout from insurers.
Liability Coverage Required in Rock Hill
According to South Carolina Code §38-77-142, everyone who has a registered vehicle in the state or drives on state roads must have liability insurance. If the insured driver is at fault in a traffic crash, their insurance will cover the other motorist’s losses up to their coverage limits. A local attorney who focuses on motorcycle claims could review the circumstances of an accident to determine which insurer is obligated to pay and help ensure the victim receives their proper reimbursement.
The law stipulates that vehicle insurers must offer the following minimum amounts of coverage:
- $25,000 for the bodily injury or death of one person
- $50,000 total for bodily injury or death of two or more people
- $25,000 for property damage in an accident
Additionally, insurers must include uninsured motorist coverage in all their vehicle policies. If a covered motorcyclist is involved in an accident caused by a driver without coverage, the biker’s insurance will pay for their losses up to the coverage limits of the policy’s uninsured motorist provision.
Determination of Fault in Motorcycle Insurance Claims
In any traffic wreck in Rock Hill, the at-fault driver’s insurer covers losses associated with the accident. Accordingly, the insurer of the non-responsible driver might have no liability at all. The at-fault party is often responsible for their own expenses and the damages of the other driver that exceed the limits of their at-fault insurance policy.
However, a motorcyclist who bears partial responsibility for an accident might be able to sue other responsible parties or their insurers with nearby legal assistance. The law permits negligent parties to seek damages as long as they are less than 51 percent responsible for the traffic collision in question.
A potentially at-fault motorcyclist in Rock Hill should consult a legal professional immediately after a crash. A thorough investigation of the accident could reveal evidence indicating that fault is shared among several parties, potentially reducing the motorcyclist’s liability.
Minimum Coverage May Not Cover Motorbiking Injuries
Motorcyclists often suffer catastrophic injuries in accidents because the bike offers them no protection against other vehicles. Even if a motorcyclist’s injuries were caused by another negligent party, their expenses might not be fully covered if the at-fault driver has only the minimum required coverage.
Given the high cost of medical care, minimum coverage is often inadequate to compensate an injured victim. If an at-fault driver’s insurance is insufficient, an injured biker could consult a knowledgeable attorney at Schiller & Hamilton to determine whether a lawsuit is appropriate.
Work with an Attorney on Rock Hill Motorcycle Insurance Claims
Insurance companies work hard to minimize their payouts for traffic accidents. Because the claims process often involves lengthy negotiations, it is necessary for an injured motorcyclist to work with a rigorous legal advocate who could present compelling proof and tirelessly pursue a fair settlement on their behalf.
If you are dealing with Rock Hill motorcycle insurance claims, contact an experienced legal advocate at Schiller & Hamilton. Our committed attorneys could walk you through every step of the process towards recovery. Call to schedule a free consultation today.