How Does Car Insurance Work in South Carolina?

When you’re involved in a car accident, you might at first be relieved at the thought that you have insurance. They should cover the costs of your losses and help you recover, right? Unfortunately, car insurance doesn’t always work like that. 

If you’re not going to get a big settlement right away for your accident, then how does car insurance work in South Carolina? If you’re not sure how to settle your claim with the insurance company outside of court, reach out to a lawyer from HawkLaw, PA for help following along with these steps. 

Fault Laws and Your Accident

South Carolina is a fault state, which means that your insurance company won’t automatically settle with you and cover your costs for your injuries and losses. While that may be the case in a no-fault state, South Carolina residents are expected to prove they weren’t at fault and that the other driver was careless. 

Usually, this means you’ll need to talk to a car accident attorney about your claim. They can make sure you have the evidence you need for your claim, especially if the insurance company refuses to settle with you or even tries to pin part of the blame on you. 

The Insurance Settlement Process

If you’ve been involved in a car accident, one of your earliest steps is to notify the insurance company that an accident happened and that you need compensation for your injuries or losses in the accident. The insurance adjuster will then review the car crash, going over the evidence that the accident happened and that you were injured. 

This may even include interviews with the adjuster, as well as information from your doctor. The insurance adjuster will use this information to determine whether you were hurt in the accident, whether another person or party was responsible, and how much your policy will cover. 

Then, they’ll send you a settlement offer for what they believe your claim is worth, or they may deny your claim. If you’re offered a settlement, you can accept the offered amount or seek a larger settlement, if you’re due more compensation. If they refuse to settle for a fair amount, or if they deny your claim, your car accident lawyer can help you take your car accident claim to court

Ask a South Carolina Car Accident Lawyer for Help 

If you’ve been injured in a car accident, getting a settlement that helps you cover the costs of your losses is important. However, it can still be tough to get that settlement, even if you know how car insurance works in South Carolina. If you don’t know, it can feel overwhelming. 

Having a lawyer from HawkLaw, PA on your side can help, though. Your attorney can guide you through your claim, from your free consultation* to your final day in court. If you’re ready to get the compensation you’re seeking, reach out for a free consultation* by calling 1-888-HAWK-LAW (429-5529) or by completing the online form below.