What If The Person Who Caused My Injury Doesn’t Have Insurance?
If the person responsible for your injury in the accident has no insurance, you can still pursue compensation from them. However, remember that your case can become more difficult to deal with than if they are covered by insurance in the first place. Even if you are insured, obtaining fair compensation can still be challenging.
If you suffered an injury in an accident with an uninsured party and you want to learn about your options, legal and insurance-wise, speak to a SC personal injury lawyer about the specific circumstances of your situation.
Filing a Claim Against Your Applicable Insurance Policies
If you are involved in an accident, you are typically responsible for ensuring that your hospital bills are paid while waiting for your case or insurance claim to be settled. However, the same reasoning holds true. That is, personal injury cases might take many months to years to conclude. You have to shoulder your own medical bills until you reach a resolution with the at-fault party.
If You Were Injured in a Motor Vehicle Accident
Drivers in SC are not required by law to hold uninsured motorist coverage or MedPay coverage. However, any of these may shoulder the cost of your injuries if another motorist is not insured or lacks sufficient coverage limits to compensate for your losses. Basically, in an accident involving an uninsured motorist, these coverages can help ensure that you have enough liability insurance to protect you and your passengers
You can also turn to your health insurance coverage. However, depending on the terms and conditions of your policy, your provider may refuse to cover your car accident-related injuries if you have other insurance options, such as MedPay or uninsured motorist coverage.
If You Were Injured in a Different Type of Accident
Once you have paid your insurance deductible or settled the copayment, your health insurance provider will assess your medical expenses for reimbursement. Keep in mind that your insurance provider may not pay the entire amount due since they will have to review the treatment and verify what they suppose must be paid for or charged.
If you lack coverage for uninsured motorists or any other coverage that can cover your medical expenses, you can consider filing legal action against the uninsured motorist with guidance from a SC personal injury lawyer.
Filing a Lawsuit Against The Uninsured Party
Another viable alternative is to file a lawsuit against the uninsured party who was responsible for the incident and receive payment from their assets. Before that, however, you should consult a SC personal injury lawyer to know if taking legal action against the uninsured party is worthwhile. Your lawyer will examine the details of your claim and investigate the uninsured party’s assets to decide if filing a case will get you the compensation you’re entitled to.
Get In Touch With an Experienced South Carolina Personal Injury Lawyer Now
To find out more about your options for pursuing compensation from an uninsured party, our SC personal injury lawyer at John Price Law Firm can help. Contact us online or call our office at 843-552-6011 to set up your case consultation with our SC personal injury lawyer.