Getting compensation after a car accident is always stressful. If the at-fault driver has no insurance, you might wonder if you will ever get the money you need. The good news is that, while suing an uninsured driver can be challenging, it is not impossible.
Hammack Law Firm would be happy to help you navigate those challenges. Call us at (864) 326-3333 to find out what a Pickens uninsured car accident lawyer can do for you.
Auto Insurance Is a Requirement
The South Carolina Department of Insurance (DOI) states that all drivers are required to carry some amount of insurance in case of an accident. This insurance may help cover both personal injuries and property damages, including monetary compensation payouts if you are sued by another driver.
Despite this requirement, some drivers decide to forego insurance. This means they may be held personally liable for any accident damages, both their own and everyone else’s. Therefore, accident victims who file a lawsuit will need to be mindful of the limits imposed by the uninsured motorist’s assets, which may affect how much the victims may be able to recover in compensation.
Fortunately, South Carolina took these uninsured drivers into account when creating its mandatory insurance laws. Among the types of insurance policies you must purchase, uninsured motorist (UM) coverage is one of them. This insurance may help you pay your crash-related expenses if an uninsured driver causes an accident.
It is important to realize that an uninsured motorist is not the same as an underinsured motorist. While uninsured motorist coverage is required, underinsured motorist (UIM) coverage is optional, and you must specifically request such a policy from your insurance agent. For more information about these two types of claims and how they might apply in your case, call Hammack Law Firm at (864) 326-3333.
For a free legal consultation with a uninsured motorist lawyer serving Pickens, call 864-740-8653
You Might Be Eligible for Compensation
While your own insurance can help you cover expenses in the event of an accident, it may not cover everything, especially if your injuries are very serious. If your crash leaves you facing mounting bills, you may have the option of suing the at-fault driver for damages.
Depending on the results of your accident, you may file a personal injury and/or wrongful death lawsuit. Personal injury lawsuits are for accident victims who were injured during the crash. Wrongful death lawsuits are for people who lost a loved one due to the crash. In both cases, you generally have three years to begin your lawsuit, according to the South Carolina Code of Laws Unannotated §15-3-530.
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Damages in Personal Injury Cases
If you are thinking of filing a personal injury lawsuit, here is a small sampling of the damages you may be entitled to collect:
- Medical costs: You went to the hospital after the accident and/or you received other treatments, such as physical therapy, prescriptions, or home nursing.
- Loss of wages: Your injuries prevented you from doing your job, depriving you and your family of your usual income.
- Pain and suffering: Your injuries caused you physical pain, or the accident itself was traumatizing enough to cause you emotional pain.
- Disability: You lost partial or total use of any part of your body, such as an organ or limb.
- Reduced quality of life: You can no longer do the things you used to do, whether it be walking to the store or taking care of your children.
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Damages in Wrongful Death Cases
Many of the damages listed in the previous section may also be applied to wrongful death lawsuits, such as pain and suffering and medical costs. In addition, you might qualify for the following damages:
- Funeral expenses: You had to pay to lay your loved one to rest and/or settle their estate.
- Loss of financial support: The loss of your loved one’s income has caused you significant hardship.
- Loss of companionship: You had to adjust to life without your loved one’s support, guidance, and so forth.
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Hiring a Pickens Uninsured Car Accident Lawyer
What does managing a lawsuit entail? There is always a lot of work involved. If your case is especially complicated—for example, there is more than one liable party—it can take even more work.
Hammack Law Firm can take this legal burden off your shoulders. Let us manage your case so that you can devote your time and attention to what is really important: recovering from your car accident injuries. Our firm offers many services, including:
- Evaluating your case: We will tell you if you have a viable case and, if so, what your next steps should be.
- Gathering evidence: Your accident may have left a paper trail of medical records, police records, and other documentation. Our investigation may be able to unearth fresh information about your accident, including who you can sue and proof of their liability.
- Quantifying damages: Your lawyer may help you figure out how much money you may be entitled to receive and how you can try to get it from the uninsured motorist.
- Fighting for compensation: We can negotiate hard for a settlement and, if necessary, represent you at trial.
- Working for a contingency fee: Instead of charging you upfront, we wait until you have won your case to collect our attorney’s fees. If you do not get any money, you do not have to pay us.
At Hammack Law Firm, our goal is to make South Carolina a safer place by holding irresponsible drivers accountable for their actions. As such, we will do everything in our power to get you the compensation you need.
Our Google reviews speak for themselves: Hammack Law Firm treats you the way we would want our family to be treated. Let a Pickens uninsured car accident lawyer handle your case and give you the peace of mind to concentrate on your recovery. Call the office at (864) 326-3333 to get started with a free case review.