Is South Carolina An At-Fault Insurance State?

Auto wrecks occur all too often here in Myrtle Beach, South Carolina. If you’ve been injured in an accident, you might leave the scene wondering what comes next. Who will be left holding the bill for your medical treatment? Whose car insurance company will pay for your vehicle damage?

While insurance laws vary from state to state, South Carolina laws hold the at-fault driver accountable. Pursuing compensation for your injury case isn’t always simple, though – and requires the help of an experienced personal injury attorney.

At David Taylor Law, our team understands the intricacies of auto insurance claims and will work hard to get you the compensation you deserve.

 

South Carolina State Law Simplified

Because South Carolina is a tort liability state, the person injured in the auto wreck has two options:

  1. Seek compensation through the at-fault driver’s auto insurance company.
  2. Pursue a personal injury case.

Our law office can help you determine the best course of action – and maximize the value of your claim. After your Myrtle Beach car accident, you may seek compensation for the following:

  • Medical treatment
  • Vehicle damage
  • Lost wages
  • Pain and suffering

 

Determining Fault in South Carolina Car Accidents

To determine which driver caused the car accident, auto insurance companies often rely on these:

  • Police reports
  • Photos/videos
  • Witness statements
  • Driver statements (at the scene and to the insurance company)

Don’t assume that, once identified, the at-fault driver (or their auto insurance company) will immediately pay up. If they try to shift the blame or deny responsibility, it’s incredibly important to have an experienced Myrtle Beach or Florence car accident attorney in your corner.

Note: Even if you are partly to blame for causing the auto wreck, you are still eligible for compensation as long as the other driver’s fault exceeds your own.

PIP Coverage

Regardless of fault, PIP (Personal Injury Protection) insurance covers the cost of medical treatment (up to limits of your PIP coverage). If you are to blame for your auto wreck, your auto insurance company will not reimburse you for medical treatment unless you carry PIP coverage.

If the other driver is at fault, it may take some time to receive payment. Instead of stressing over mounting medical bills, rely on PIP coverage to offer much-needed peace of mind.

Your Myrtle Beach Injury Lawyers

Trust David Taylor Law with your car accident claim in South Carolina. Our personal injury attorneys will not only fight for the compensation you deserve, but offer the home-grown compassion and care you’ll only find in Myrtle Beach, SC.

If you’ve been injured in an accident or want to learn more about South Carolina insurance laws, get in touch today! We’re here to help, starting with your free consultation.