South Carolina Injury Attorneys
Car Accidents Are a Leading Cause of Injury in the U.S. Work with Our Firm to Seek Proper Compensation.

Underinsured Motorists & Car Accidents

Greenville Car Accident Attorneys

In South Carolina, like most other states across the country, all motorists who operate a motor vehicle are required by law to have minimum liability coverage. Per state law, minimum auto insurance coverage is $25,000 for bodily injury or death per person, $50,000 total for bodily injury or death per accident, and $25,000 for property damage.

Auto liability insurance is most important to victims harmed in car accidents, as it can provide the financial resources they need to pay for their needed expenses and damages, such as their medical bills, lost income, and pain and suffering. However, those damages can quickly add up and exceed minimum insurance limits, especially in cases involving serious injuries that require more expensive forms of treatment (such as surgery), longer recoveries, and greater financial losses, or cases involving multiple injured parties.

In situations like these, underinsured motorists can pose a huge threat to victims in need. As such, it becomes vital that victims evaluate all possible avenues for recovering the full amount of compensation they need. At Christian & Davis LLC, our Greenville car accident lawyers are available to fight for victims injured by motorists with limited insurance coverage.

Injured by an underinsured motorist? Discuss your case and options when you contact usfor a free consultation! Christian & Davis LLC proudly serves clients throughout Greenville and South Carolina.

How We Fight for Victims

Every case can involve its own challenges, and that is especially true in the case of victims who are injured in wrecks caused by underinsured motorists. Because a lack of insurance coverage can put victims at risk of not recovering the full extent of compensation they need, particularly in cases involving serious injuries, our team at Christian & Davis LLC helps clients explore all potential options for maximizing their financial recoveries. While strategies are tailored to the unique facts of a case, common options may include:

  • Policy Limits – Even when negligent motorists are underinsured, the insurance they do have is still vital to victims. As such, seeking compensation for an underinsured driver’s policy limits may provide victims with sufficient resources to cover their damages, or a bulk of those damages.
  • Underinsured Motorist Coverage – When motorists lack sufficient insurance to cover all damages suffer by victims they harm, those victims may have options for making up the difference by filing claims with their own auto insurance carrier, provided they have underinsured motorist coverage. Because this additional coverage can make the difference when it matters most, it is strongly advised that any motorist look into purchasing UM / UIM coverage.
  • Other Potentially Liable Parties – Making up for gaps in coverage and helping victims secure the full amount of compensation they need may require seeking compensation from other potentially liable parties. In some auto accident cases, there may be more than one person or party at fault, or multiple parties that contributed in part to a victim’s injuries. This may be the case in accidents involving multiple vehicles or pile-ups.
  • Med Pay Coverage – Medical Payments Coverage, also known as Personal Injury Protection (PIP) is another type of optional insurance which you can purchase as part of your auto insurance policy. This coverage is a type of no-fault insurance, and it can cover medical expenses, up to purchased policy limits, for you and any victims injured in your vehicle. Med Pay is a crucial form of insurance worth purchasing because it can provide additional opportunity for covering the gap in coverage caused by underinsured motorists.

Learn How Christian & Davis LLC Can Help

Following an auto accident involving an underinsured motorist, working with skilled and experienced attorneys should be your top priority. Our attorneys have extensive experience protecting the rights of auto accident victims throughout Greenville and the surrounding areas of South Carolina, and can help you understand your rights and explore all avenues for potential compensation. Discuss your case personally with an attorney from our firm by calling (864) 408-8890 for a free consultation.

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