I have car insurance and I have filed a claim for the accident I was in. Shouldn’t that take care of everything? Why do I need a lawyer?
In the best-case scenario, the insurance company will pay the total amount allowed by either your insurance policy or the liability coverage of the driver who hit you. But the insurance company will not be concerned about whether all of your expenses are met. That’s what your lawyer will do.
If you have been hit by another driver, chances are they have South Carolina’s minimum liability auto insurance coverage of $25,000 per person for bodily injury, $50,000 for bodily injuries of all persons in one car accident and $25,000 for all property damage in one accident.
If you have been seriously injured, your medical bills will easily exceed the proceeds of a minimal liability policy. Meanwhile, the insurance company will try to pay you as little as possible to protect its bottom line.
A car accident attorney works for you and your best interests. He or she will work to obtain all of the compensation available from the driver who is liable for your car accident and injuries, and from any others who may be liable through “third party” claims.
An immediate advantage of retaining a car accident attorney is that the insurance companies must then work through your attorney to resolve your case. Having an attorney shows you mean business and changes how seriously the insurance company looks at your claim.
It also takes the burden off of you and ensures that someone who knows the legalities and tricks of the car insurance trade is dealing with your claim for you.
Read more about South Carolina Car Insurance Issues.
Posted in: Car Accidents