Uninsured/Underinsured Car Accidents in Goose Creek

Being injured in a car accident can be traumatic and expensive, but discovering that the at-fault driver lacks adequate insurance adds more complexity to an already challenging situation. Our car crash attorneys at Miller | Conway have handled many uninsured/underinsured car accidents in Goose Creek. We can help you identify all available sources of monetary damages and work hard to ensure you recover your losses.

Understanding Uninsured and Underinsured Motorist Coverage

The state requires all drivers to carry a minimum amount of liability insurance in the event of a car crash, but many Goose Creek motorists drive their vehicles without coverage. Others carry minimum insurance, which is often insufficient to cover the full extent of injuries in serious accidents. However, your personal insurance policy likely provides uninsured and underinsured motorist coverage, as every motorist must have liability and uninsured coverage.

Uninsured motorist (UM) coverage protects you when an uninsured driver causes an accident, paying for damages up to your policy limits. Underinsured motorist (UIM) coverage applies when the at-fault driver’s insurance is insufficient; after exhausting their policy, UIM pays additional reimbursement up to your limits.

Why You Need This Coverage

The minimum liability insurance of $25,000 per person and $50,000 per accident often fails to cover medical expenses from serious injuries, which can quickly exceed $100,000. Uninsured and underinsured motorist coverage protects you when the at-fault driver’s insurance is insufficient to cover medical bills, lost earnings, and other damages.

Filing Claims With Your Own Insurance Company

When the at-fault driver in a Goose Creek auto collision has inadequate insurance, or none at all, you must file a claim with your own insurance company for uninsured or underinsured motorist benefits. While you might expect your insurer to treat you fairly, insurance companies are profit-making businesses that want to minimize payouts, even to their own policyholders. That is why you should always have an experienced car accident attorney handling your claim.

Your insurance company will investigate your uninsured/underinsured motorist claim just as carefully as if you were claiming against someone else’s policy. They will review the accident report, obtain your medical records, and evaluate the extent of your injuries and other losses.  Insurance adjusters may conduct recorded statements, hire investigators to surveil you, or use different tactics to minimize the value of your claim.

You can also combine coverage from multiple insurance policies, such as those for multiple vehicles you own or, if you were a passenger in the accident, from both the vehicle owner’s and your own policy.

What Are Common Issues in Uninsured/Underinsured Claims?

Disputes frequently arise between injured victims and their own insurers over UM and UIM car wreck claims in Goose Creek. Insurance companies may use various tactics to deny or minimize your claim, and you need an experienced injury lawyer to overcome these obstacles.

Disputes Over Fault and Responsibility

Even if another driver caused your accident, your insurance company might dispute fault to deny your uninsured motorist claim. Our legal team at Miller | Conway will gather evidence, including police reports, witness statements, accident reconstructions, and video footage, to prove that the uninsured or underinsured driver was at fault.

Disagreements About Injury Severity

Insurance companies often minimize injury claims, attributing them to pre-existing conditions or downplaying their severity. Miller | Conway attorneys will collaborate with your doctors and medical experts to fully document your injuries and their link to the accident.

Contact Miller | Conway in Goose Creek for Representation in UM and UIM Car Crash Claims

Uninsured/underinsured car accidents in Goose Creek are complex, and you need an attorney who will fight your insurance company for fair reimbursement. Miller | Conway provides the experienced, aggressive representation necessary to maximize your recovery and ensure you receive the reimbursement you need to reestablish your life after a serious accident. Contact our trusted legal team today.