Uninsured Motorist Accident Lawyer
Our Uninsured Motorist Accident Lawyers
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According to the Insurance Research Council, an estimated 1 in 8 drivers on U.S. roads is uninsured. In South Carolina, even drivers who follow the law may only carry the minimum liability coverage, which is insufficient for a serious accident. These statistics are shocking because they reveal a hidden risk: you could do everything right and still be left financially devastated by another driver’s negligence. After a crash, victims are not protected by the at-fault party’s insurance; they are exposed to crippling debt from medical bills and lost wages. This is why a collision with an uninsured or underinsured driver can be just as destructive as the physical impact itself.
If you are fortunate enough to survive an accident caused by an uninsured driver, you will likely face serious injuries, such as traumatic brain injuries, spinal cord damage, burn injuries, or fractures. These injuries often require significant hospitalizations, multiple surgeries, and extensive rehabilitation. As such, you need a recovery that covers the full impact on your life. Victims are often surprised to learn the biggest fight isn’t with the other driver, but with their own insurance company over their uninsured motorist policy. An experienced South Carolina uninsured motorist accident lawyer can help you navigate this difficult process and fight for the full compensation you deserve.
Why Your Own Insurer Is Your Biggest Opponent
Many people are shocked to learn that after a crash with an uninsured driver, their biggest legal challenge often comes from their own insurance company. Although you pay premiums for uninsured motorist protection, your provider’s goal is to protect its profits by paying out as little as possible. As a result, when injured victims try to collect the money they need to recover, they face a difficult and unexpected uphill battle. The insurance adjuster may treat your valid claim with suspicion, use tactics to delay payment, or make a lowball offer that doesn’t cover your losses. You are not given the benefit of the doubt you deserve. To combat this inherent conflict of interest, our uninsured motorist accident attorneys prepare a powerful case designed to force your insurer to pay the full and fair value of your claim.
Types of Compensation Your UM Attorney Recovers
When the at-fault driver has no insurance, your own policy is the source for recovery. An uninsured motorist accident attorney’s job is to build a claim that accounts for every category of loss you suffered. A comprehensive claim must demand full value for all damages, which include:
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Past and Future Medical Bills
Your attorney will collect all current medical expenses and work with experts to project the future costs associated with catastrophic injuries, such as therapy, medication, or lifelong attendant care. -
Lost Wages and Diminished Earning Capacity
An uninsured motorist accident lawyer will document all income lost during your recovery and, if your injuries are permanent, calculate the wages you will lose over your lifetime because you cannot return to your former work. -
Pain and Suffering.
This legal term refers to the significant physical pain, emotional distress, and loss of quality of life you endure. A skilled attorney knows how to put a monetary value on this suffering to demand from your insurer. -
Other Out-of-Pocket Expenses
Your lawyer will also include claims for property damage to your vehicle and any other expenses incurred as a direct result of the collision.
Hurdles an Uninsured Motorist Attorney Can Overcome
Filing an uninsured motorist claim with your own insurance company is often more complex than people expect. Your insurer may use several tactics to limit your financial recovery. An experienced uninsured motorist accident attorney is essential for overcoming common challenges, including:
- 1. Unfairly low settlement offers that don’t cover your bills
- 2. Disputes over the necessity or cost of your medical treatment
- 3. Attempts to shift blame for the accident onto you
- 4. Demands for recorded statements designed to hurt your claim
- 5. Using confusing policy language to wrongfully deny benefits
Our uninsured motorist accident attorneys have represented countless clients whose own insurance companies tried to deny them fair compensation. If you’ve been injured by an uninsured driver, we can help you too. Our lawyers are skilled negotiators and litigators who are not afraid to go toe-to-toe with any insurance company even your own.
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What Compensation Can a UM Lawyer Recover?
Many uninsured motorist (UM) cases are settled with your own insurance company, but some may require a lawsuit if a fair offer is not made. A good settlement from a UM claim is one that fully covers all your damages. It is not uncommon for accident survivors to incur significant medical bills, rehabilitation expenses, lost income, and a loss of future earning potential. Victims also endure a tremendous amount of pain and suffering. An experienced uninsured motorist accident lawyer fights to ensure the recovery from your own policy covers these damages in full. -
Why Is My Own Insurance Company Fighting My Claim?
Let’s be direct – your insurance company is a business that prioritizes profits. When you file an uninsured motorist claim, your provider no longer sees you as just a valued customer, but as a financial liability. The most common reason for a dispute is this inherent conflict of interest. The adjuster’s goal is to protect the company’s bottom line by paying out as little as possible on your claim. An uninsured motorist accident attorney is essential to level the playing field and hold your insurer accountable to the policy you paid for.
Speak With a South Carolina Uninsured Motorist Attorney
If you were hit by an uninsured or underinsured driver in Rock Hill, Lancaster, or anywhere in South Carolina, it is crucial to have an experienced uninsured motorist accident lawyer on your side from the start. Our attorneys understand the frustration of having to fight your own insurance company for the benefits you deserve. We know how traumatic these accidents can be and that victims require significant compensation to recover, and we are prepared to fight for the full value of your claim.
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With offices conveniently located in Rock Hill, Fort Mill, and Lancaster, we are here when you need us. Call our Rock Hill personal injury attorneys today for a free case evaluation.
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