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When you are in an accident, most people exchange insurance information quickly after the accident. What happens when the other driver does not have insurance? Who will pay for your injuries or damages?

According to the South Carolina Department of Insurance, every driver in South Carolina must have coverage protecting them from uninsured drivers. If you are driving legally with car insurance, your policy may compensate you for the damages caused by an uninsured driver. You may also be able to pursue additional compensation from the at-fault driver in a personal injury lawsuit.

A Seneca uninsured car accident lawyer from Hammack Law Firm may be able to help you file an insurance claim or personal injury lawsuit. Just because an uninsured motorist injured you does not mean you should be responsible for paying for all the damage they have done.

Hammack Law Firm can help you fight for your rights when handling this legal process. Call us today at (864) 326-3333(864) 326-3333 to get started. A member of our car accident team can review your case at no cost to you.

Uninsured Motorist Coverage

South Carolina requires all drivers to purchase a minimum amount of uninsured motorist (UM) coverage. This amount is:

  • $25,000 per person injured
  • $50,000 for all people total injured in a single accident
  • $25,000 in property damage in a single accident

If you own multiple vehicles on the same insurance plan, you may be able to stack your various uninsured motorist coverage policies onto a single accident. This may increase the amount of compensation your own insurance company may provide.

Underinsured Motorist Coverage

Underinsured motorist (UIM) coverage is different from uninsured motorist coverage. Underinsured motorist coverage is not required by law in South Carolina. However, insurance companies must offer customers the option to purchase underinsured motorist coverage on any policy they offer.

Underinsured motorist coverage may come in handy if you are in an accident and your damages exceed the limits of the at-fault driver’s liability insurance coverage. Your underinsured motorist coverage may help cover the difference between their coverage limits and the cost of your damages.

Hammack Law Firm can help you evaluate your options for pursuing compensation after an uninsured car accident. We also may be able to help you file a personal injury lawsuit against the responsible driver for any damages that are not covered by an insurance policy.

Evidence in a Car Accident Case

According to South Carolina Annotated Code § 15-3-530, you generally have up to three years after your accident to file a personal injury lawsuit.

However, you may find it easier to collect evidence the sooner you get started on your claim. In general, the following evidence may be used in a car accident case:

  • Photographs: this may include pictures of your injuries, the damage done to your vehicle, and any other damage that can be seen.
  • Video: video of your accident may exist in the form of dashcam footage, traffic footage, or surveillance cameras from surrounding businesses.
  • Medical records: medical records can help show the extent of your injuries and the amount of compensation you may need to heal.
  • Mechanic statements: a statement from the mechanic that repaired your vehicle may help establish the value of your property damages.
  • Eyewitness statements: if there were any witnesses to your accident, their statements might help you prove negligence and liability.

You might be eligible to recover compensation for your damages if someone else caused your car accident, regardless if they are insured or not. Hammack Law Firm can coordinate with your own insurance company for you when we work together on your case.

For a free case review with a member of our car accident team, call Hammack Law Firm today at (864) 326-3333(864) 326-3333.

Potentially Recoverable Damages in a Car Accident Case

Multiple factors decide what specific types of damages may be available in your case. These factors may include your injuries, their severity, and what options you have for pursuing compensation.

In general, the following damages may be available in a car accident case:

  • Medical expenses: you may be compensated for both the current and future medical treatment you need due to your injuries.
  • Vehicle damages: this may include the cost to repair the damage done to your vehicle or a vehicle replacement if your car was totaled.
  • Loss of income: if you had to miss work due to your injuries or the car accident itself, you might be compensated for the time you had to take off.
  • Reduced earning capability: if you had to switch to a lower-paying career because of your injury, you might be compensated for your reduced earning capability.
  • Pain and suffering: you may be able to recover compensation for the mental and physical stress you had to go through due to your accident.

A Seneca uninsured car accident lawyer from Hammack Law Firm may be able to help you identify your damages and calculate their value.

How Hammack Law Firm Can Help You

Even though you are their customer, your own insurance company may be reluctant to pay you a settlement after a car accident with an uninsured motorist. When you work with a Seneca uninsured car accident lawyer from Hammack Law Firm, we can coordinate all aspects of your claim. If your insurance company is unwilling to make you a fair offer, we can take your case to trial.

Call Hammack Law Firm today at (864) 326-3333(864) 326-3333 for your free consultation with a member of our team. We encourage you to look up our Google reviews and testimonials online to learn more about working with our customer-centered firm.

If you qualify, Hammack Law Firm may be able to offer you representation on a contingency-fee. This agreement requires no up-front payments. Instead, our attorney fees come as a percentage of your settlement offer or court award.

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