Can the insurance company cancel a policy after an accident?

Union County, SC – Anyone who is involved in a motor vehicle collision in South Carolina should contact their insurance company to report the incident and file a claim. It is possible that anyone who was hurt or experienced property damage will receive some kind of compensation through an insurance settlement. However, the amount that is available can vary greatly depending on the specific policy in question and the extent of the damage. Anyone who is going through the process of negotiating with their insurance company should get assistance from an accident lawyer to protect their rights. 

Insurance requirements

People who have a standard auto insurance policy in South Carolina are required to be covered for up to $25,000 worth of property damage and injuries to one person, or up to $50,000 in total injuries for all parties involved in an accident. It is possible that anyone who has hurt can receive this amount of compensation from the driver at fault for their injuries and losses. Drivers may choose more extensive coverage options by paying for a larger premium, which can potentially pay larger amounts. But many people on the roads will choose to not spend extra money when larger policies are not required by law. 

However, it is also possible that a policy will be completely exhausted up to the coverage limits, and the victim can still have expenses. This is because the most serious car collisions tend to result in hundreds of thousands of dollars worth of total losses when long term medical care and lost wages are considered. 

When the insurance process is insufficient

For many different reasons, an insurance policy may not pay the victim adequately. If this happens, the victim should get their own lawyer to review all aspects of the claim and decide if a lawsuit is necessary. It is possible that the insurance company has made a mistake or is acting in bad faith. There are also situations where the victim’s losses are so expensive that taking legal action is the only realistic way to get sufficient financial help through a jury verdict or settlement for damages. 

Arguing for damages

Injury attorneys can use all of the victim’s costs for medical treatment, lost income, pain and suffering, and property repairs as a starting point in negotiations. The best injury lawyers know how to ask a jury for the proper verdict or negotiate for a settlement that will satisfy their client. 

Legal help after an auto accident

There are lawyers who represent local clients in Union County and other parts of South Carolina. The Clekis Law Firm has extensive experience dealing with all aspects of accident cases and personal injury law. 

Firm contact info:

The Clekis Law Firm

171 Church St., Charleston SC, 29401

[email protected]