No matter how safely you drive behind the wheel, you cannot control or predict when another driver will crash into your car. Suddenly, you are facing expenses for property damage and medical treatments while having to recover from serious injuries. You may need to miss work and take time away from other important activities during your recovery—and the losses can add up quickly. You should know that the experienced car accident lawyers at the Hughey Law Firm in Charleston are here to assist you.
South Carolina law requires that every driver carry these minimum amounts of car insurance to cover liability for injuries and damages:
$25,000 for bodily injury per person and $50,000 for injuries per accident
$25,000 for property damage per accident
The above policy limits for uninsured motorist coverage
If an at-fault driver has the required insurance, you may assume that you will simply file a claim with that driver’s insurance company and receive a check to cover your losses. The process is rarely that simple, however, and many injured car accident victims experience delays or denials of their claims. Fortunately, a skilled car accident lawyer will know how to handle the insurance process on your behalf and obtain the settlement you deserve.
People who do not call an attorney for help with the car insurance process may not foresee the possible challenges they may face. Our legal team knows how to deal with insurance companies in South Carolina and how to stand up for the rights of car accident victims. If a crash injuredyou, call the Hughey Law Firm today.
Before you file your claim, always gather the important information and documents needed to support your assertions. Have your doctor prepare a complete medical diagnosis of all injuries sustained in the accident—and the sooner you visit an emergency department or doctor after a collision, the better. Keep records of any vehicle repairs you needed and document any other property damage the crash caused. Also, prepare to report how much income you lost due to your injuries and any other expenses you incurred. Our attorneys will seek compensation for all of your possible losses to keep you from having to pay any costs for an accident you didn’t cause.
We will also communicate with the insurance adjuster on your behalf. Tricky adjusters may seem as if they side with you, but in reality, they always seek to limit payouts for their employers. Hire a knowledgeable attorney to communicate with adjusters and relay accurate and favorable information for your case.
Once you file a claim, you may expect to receive a payout for the losses you cited. However, insurance companies, like any other businesses, focus on profitability. Therefore, they work to limit liability on every claim if they can. Insurance companies surprise too many people by denying their claims in part or in full.
But our attorneys know the different ways that insurance companies fight liability, which can include:
We know how to present evidence to support your initial claims—including both fault and the extent of your losses. We also know that even if you partially caused the accident, South Carolina law still entitles you to compensation for some of your losses. For example, if a jury were to find you 10 percent at fault, you would still deserve compensation for 90 percent of your losses. We fight to help you obtain as much as possible in your specific situation.
You may believe that the initial settlement offer from an insurance company is the maximum possible amount you can receive. However, initial offers are typically extremely low—the company hopes that you will accept the offer without questioning it. Once you accept an offer, however, you will waive your right to seek additional compensation down the road.
We will identify insufficient offers when you review them with our experienced law firm. We can then present additional evidence and arguments in support of the full amount of your claim.
Our attorneys can determine when the insurance process will fail to cover all of your car accident losses. In this situation, we can file a personal injury lawsuit against the negligent driver in South Carolina civil court. Filing a claim does not mean your case will go to trial, because the majority of car accident cases reach settlement agreements. Your attorney will work to negotiate a favorable settlement throughout the litigation process and try to resolve your case as efficiently as possible. However, we will never push you into accepting an inadequate settlement and we are not afraid to go to trial when the best interests of our clients demand it.
A car accident can damage your life and the aftermath can bring stress to you and your family. At the Hughey Law Firm, we handle every aspect of your insurance claim or lawsuit so that you can focus on your physical recovery. If you wish to discuss the many ways we can help you, please call (843) 881-8644 or contact us online to schedule your free consultation today.
Call 843-881-8644 or toll-free 1-877-811-8644 or fill out the form below. Back to Top