Getting your losses paid by the at-fault party can be a challenge if you got hurt in an accident with an uninsured or underinsured driver. You may have to file a claim with your own insurance, but depending on the uninsured motorist coverage you have, you may need to take additional legal action to get the compensation you need.
A Greenville uninsured car accident lawyer at the Hammack Law Firm can sort out the insurance questions, explore your options, and help you navigate through the claims process. You do not have to go through this on your own.
If we accept your case, we will do so on a contingency fee basis. We will get paid out of the insurance proceeds or award at the end of the matter, which means that you do not have to pay upfront attorney’s fees.
You can call us today at (864) 326-3333 for a free consultation.
Your Automobile Insurance Coverage Could Cover Your Damages
If the other driver does not have automobile liability insurance at the time of the accident, you might still be able to get money damages through a claim with your own insurance company. Uninsured motorist coverage is required for every policy issued under South Carolina law.
Uninsured motorist coverage helps people who get hurt in accidents caused by an uninsured motorist. A common scenario with uninsured motorists is that they may not be able to afford to cover your damages. Still, that does not mean you automatically get the short end of the stick and have to suffer the consequences for their actions.
According to the South Carolina Department of Insurance (DOI), state law requires all drivers to carry uninsured motorists coverage, which can cover the costs for injuries and property damage. Some automobile insurance companies also offer underinsured motorist coverage, but drivers are not required to carry this kind of policy.
If you have an insurance policy, you have uninsured motorist coverage of at least $25,000 per person and $50,000 per accident if more than one person is injured. Your policy may have more coverage and generally pays up to the insurance policy's liability coverage. If your damages exceed the minimum coverage amount, your lawyer can try to negotiate a higher settlement with the insurance representatives based on your case’s outstanding circumstances.
You do not have to go through an insurance claim battle on your own. A Greenville uninsured car accident lawyer at the Hammack Law Firm can evaluate potential strategies for your case. You can call us today at (864) 326-3333 for a no-cost case review.
If the Uninsured Driver Was Working at the Time of the Accident
If the driver was working at the time of the accident, the employer might be held liable for your damages. The driver’s lack of insurance could be less relevant to your chances of recovering money damages since you might have the option of pursuing compensation through their employer’s insurance.
If you cannot reach a settlement with the employer’s insurance representatives, you may file a personal injury lawsuit against this party in hopes of securing compensation.
Damages You Might Be Entitled to Collect After an Uninsured Motorist Accident
Once you and your lawyer determine the liable parties, you can go after money damages for your losses. How much compensation you might be able to collect will depend on the specific damages and losses you experienced during and after the accident. Financial damages will be based on actual costs you spent or lost, while other damages may follow a separate calculation to cover general damages.
Here are some of the types of money damages we have won for our clients:
- Medical bills: You can usually recover the reasonable cost of the medical treatments you needed for your injuries. This category can include things like ambulance rides, trauma center care, hospital stays, diagnostic procedures, surgeries, doctor’s appointments, physical therapy, and prescription drugs.
- Rehabilitation treatment: After a traumatic injury, a person might need several months of specialized care in a rehabilitation facility. You may be able to get awards to cover the costs of inpatient and outpatient rehabilitation.
- Long-term care: You may receive awards if you require daily assistance with medical treatments and personal care.
- Lost income: The paychecks you missed while you could not work because of your injuries can be compensable. This category can include lost wages, salary, self-employment, and other forms of regular income. If your employer paid you for the time you were away from the job, there is no loss.
- Future lost income: Severe injuries can leave a person unable to perform the same tasks as before. Some impairments might require an injured individual to take a lower-paying job or work fewer hours, resulting in a loss of future income.
- Equipment: The injured person might need a wheelchair, crutches, adapted vehicle, or other items because of his injuries. You may be compensated for these purchases if your insurance did not cover them.
- Pain and suffering: This category applies to the physical discomfort and mental distress of the accident and your injuries.
- Other intangibles: Things like disfigurement, loss of enjoyment of life, and post-traumatic stress disorder (PTSD) fall into this category, which encompasses noneconomic losses. Although these damages do not have an assigned monetary value, we can calculate a fair amount for your intangible damages.
The amount of money damages you can pursue will depend on the facts of your claim. The severity of your injuries and long-term impairment are two of the main factors that go into the calculation of your case’s value.
Our Law Firm Can Help with Your Uninsured Motorist Car Accident in Greenville
Cases involving uninsured motorists are sophisticated and difficult. A Greenville uninsured car accident lawyer can help you go after compensation from the responsible party or your uninsured motorist coverage.
At the Hammack Law Firm, our clients get the benefit of a warm, supportive atmosphere in which we treat you like our family and friends. We understand that you might be dealing with your injuries and other outcomes from the collision. We try to make the claims process as stress-free as possible. If appropriate, we can file a lawsuit on your behalf.
Check out the testimonials on our website from our happy clients. They were once where you are now, wondering what to do after an accident. You can call us today at (864) 326-3333 to find out how we can help you.