New Data Regarding Uninsured Motorists and Auto Accidents

The amount of uninsured motorists in the U.S. is astounding. A 2009 study revealed that in one state, almost 30 percent of people on the road had no car insurance. Nationally, the number was much lower, at 13.8 percent, though even that is still a cause for concern. Experts attribute these extreme numbers to economic conditions. Despite the fact that most states require some kind of coverage, many motorists felt they couldn't afford to keep up with pricey premiums. This practice is a dangerous gamble, leaving victims of auto accidents with no benefits available to cover vehicle damage or medical bills.

How South Carolina Stacks Up In the 2009 study, South Carolina residents were much lower than the national average, coming in at about 11 percent. The latest set of data includes information from 2012. Nationally, there was a reduction of uninsured motorists to 12.6 percent. South Carolina actually reduced to 7.7 percent, which earned it a spot on the list of 10 states with the lowest rate of uninsured motorists. Although this is promising, there's still concern for those involved in Charleston auto accidents, as the average driver can pass dozens of uninsured motorists in a single commute. Who Pays in an Uninsured Motorist Accident South Carolina residents are required to have uninsured motorist insurance coverage. At a minimum, this is $25,000 each for bodily injury per person and for property damage, plus an additional $50,000 for bodily injury liability per collision. This is generally enough to cover what's needed in a minor fender-bender, even if the driver who caused the wreck was uninsured. However, it may not be sufficient to cover damage to a newer mid-price vehicle in a moderate-to-severe collision, and it isn't enough to cover serious medical needs. When costs exceed the covered benefits, it helps to have an experienced attorney who can identify other sources for reparation funds. Sometimes, the driver who causes the accident simply says they don't have insurance because they don't want to involve the insurance company. Other times, if the driver was borrowing a vehicle, his own insurance may provide funds, even if the vehicle's owner did not have coverage. An attorney will know what other avenues are available, including seeking damages directly from the at-fault driver. Reparations Available Every case is different. Depending on factors involved, funds can be awarded from multiple sources and a victim of a collision may receive compensation for:

• Damage to property
• Lost wages
• Medical bills
• Pain and suffering

Charleston Auto Accident Attorney

If you have been injured by an uninsured motorist, it can be incredibly difficult to receive the compensation you need and deserve. Seek any essential medical treatment first. Then, hire an attorney who understands the various systems involved and who will fight for your right to fair reimbursement. Our team is proficient in litigation, which means we will not settle for less than you deserve. Contact us online or speak directly with one of our lawyers by calling 1(800)610-2546.