Car Accident Lawyer Duncan
If you’ve been injured in a car crash in Duncan, navigating the legal aftermath can feel overwhelming—but you don’t have to do it alone. At Langley Law Firm, we understand the physical, emotional, and financial toll an accident can take, and we’re here to help you pursue the compensation you deserve. As a car accident lawyer serving Duncan and the surrounding areas, our firm offers legal guidance backed by compassion and dedication. Your first step is risk-free—call us today at (864) 667-6144 to schedule your free consultation and get the answers you need.
Dealing With Uninsured and Underinsured Drivers in Duncan
Car accidents are stressful enough on their own, but when the at-fault driver is uninsured or underinsured, the situation becomes even more complicated. Unfortunately, this is a reality for many drivers in Duncan. If you’re involved in an accident with an uninsured or underinsured driver, you may face serious challenges when it comes to covering medical bills, vehicle repair costs, and other damages. However, understanding your options can help you navigate these difficulties and get the compensation you need.
What is an Uninsured Driver?
An uninsured driver is someone who does not have auto insurance at all. While the law in South Carolina requires all drivers to carry insurance, not everyone follows this rule. If an uninsured driver causes an accident, you might find yourself in a difficult position since their insurance won’t cover the damages.
When you’re in an accident with an uninsured driver, you may be left responsible for covering your own medical expenses, vehicle repairs, and other costs related to the crash. However, there are legal options that could help you get compensation.
What is an Underinsured Driver?
An underinsured driver is someone who has insurance but not enough coverage to pay for the full extent of the damages caused in the accident. For example, if you’re in a serious accident and the other driver’s insurance only covers a portion of your medical bills, you may be left with the rest of the costs to pay out of pocket. This is a common scenario in accidents involving significant injuries or property damage.
South Carolina law requires drivers to carry minimum insurance coverage, but this minimum may not always be enough to fully cover the costs of a serious accident. If you’re involved in an accident with an underinsured driver, you may need to explore other avenues to recover the remaining costs.
How Does Uninsured and Underinsured Motorist Coverage Work?
One of the best ways to protect yourself against uninsured or underinsured drivers is through uninsured/underinsured motorist (UM/UIM) coverage. This type of coverage is optional in South Carolina, but it’s highly recommended. If you’re in an accident caused by someone who is either uninsured or underinsured, UM/UIM coverage can help pay for your medical bills, lost wages, and vehicle repair costs.
- Uninsured Motorist Coverage: This covers you if you’re involved in an accident with someone who has no insurance. It steps in to pay for your medical expenses, pain and suffering, and vehicle repairs.
- Underinsured Motorist Coverage: This comes into play when the at-fault driver has insurance, but their policy doesn’t cover the full extent of the damages. For example, if their policy only offers $25,000 in coverage and your damages are $50,000, your underinsured motorist coverage can help cover the remaining $25,000.
If you don’t have UM/UIM coverage, you may struggle to recover the full amount of damages you’re entitled to. It’s important to check your auto insurance policy and make sure you’re adequately covered.
What Are Your Legal Options After an Accident With an Uninsured or Underinsured Driver?
If you find yourself in an accident with an uninsured or underinsured driver, there are a few paths you can take to recover compensation:
File a Claim With Your Own Insurance Company
If you have uninsured/underinsured motorist coverage, the first step is to file a claim with your own insurance company. They will investigate the accident and help you recover compensation for your damages. Having an experienced personal injury lawyer on your side can make this process smoother.
Pursue a Lawsuit Against the At-Fault Driver
If the at-fault driver has no insurance or insufficient insurance, you can still pursue a lawsuit against them. However, this is only an option if the driver has assets or income that can be used to pay the judgment. If the driver is uninsured and doesn’t have assets, it may be difficult to recover anything through a lawsuit. In some cases, the threat of a lawsuit may encourage the at-fault driver to settle.Seek Compensation
Through Your Health Insurance
If you don’t have UM/UIM coverage and the at-fault driver is uninsured, you may need to rely on your health insurance to cover medical expenses. However, this won’t help you with vehicle repairs or other damages, so it’s important to explore all options.
Consider a Personal Injury Lawsuit
If the at-fault driver is underinsured, a personal injury lawsuit could help you recover the remaining costs. Depending on the circumstances, you may be able to pursue compensation through the driver’s insurance company and your own UM/UIM coverage, or through a personal lawsuit.
Bankruptcy or Other Financial Solutions
If the at-fault driver is both uninsured and has no assets, recovering any compensation through legal means may be nearly impossible. In such cases, bankruptcy or other financial solutions may be the only option for them. However, this doesn’t help with your damages, so it’s important to have solid insurance coverage yourself.
Why Should You Hire a Personal Injury Lawyer?
Navigating the legal complexities of dealing with uninsured or underinsured drivers can be overwhelming. A personal injury lawyer can help guide you through the process and ensure you take the right steps to protect your interests. Here are a few reasons why hiring a personal injury lawyer is beneficial:
- Experience with Insurance Companies: Insurance companies can be tricky to deal with, especially when it comes to claims involving uninsured or underinsured drivers. An experienced lawyer knows how to negotiate with insurance companies to maximize your compensation.
- Expert Legal Guidance: A personal injury lawyer can explain your legal options and help you determine the best course of action. Whether it’s filing a claim with your own insurance or pursuing a lawsuit, a lawyer can help you make informed decisions.
- Maximizing Compensation: If you’re injured in an accident, you deserve compensation for all your damages, including medical bills, lost wages, pain and suffering, and vehicle repairs. A lawyer can help ensure that you receive the full amount of compensation you’re entitled to.
Injured in a Car Accident? Let Langley Law Firm Get You the Compensation You Deserve
When you’ve been hurt in a car accident, having the right legal support can make all the difference. At Langley Law Firm, we are committed to protecting your rights and ensuring you receive the compensation you’re entitled to. With our client-first approach, we’re here to guide you every step of the way. Don’t wait to get the help you need—call (864) 667-6144 today for a free consultation and take the first step toward justice. Let us fight for you while you focus on healing.
