A car crash can leave you with painful injuries and a long road to recovery. But before the soreness has even worn off, don’t be surprised if medical bills start arriving.
If someone else caused your auto accident, you may wonder who is responsible for writing the checks – and who will hold them accountable. At Hoffman Law Firm, our auto accident attorneys can help. We not only understand the legalities of car accident insurance coverage, but have extensive experience protecting accident victims’ rights here in Charleston, SC.
Our law firm is dedicated to holding the responsible party accountable, and fighting to ensure you receive the compensation you deserve. We know the process can seem overwhelming, especially as medical bills after your car wreck start to pile up. That’s why you need Hoffman Law Firm’s strong team of auto accident attorneys on your side.
At-Fault Vs. No-Fault States
South Carolina is an at-fault state, which means that the person responsible for causing the car wreck is also responsible for paying (through their car insurance company) for the damages incurred. Damages typically include compensation for medical bills, vehicle damage, lost wages, etc.
In no-fault states, those injured in motor vehicle accidents must rely on the collision coverage provided by their own car insurance company.
Working With the Car Insurance Company
If you’ve been hurt in a car accident in the Charleston area, let Hoffman Law Firm handle all communication with the insurance companies. Our auto accident attorneys will sort through the various types of coverage involved – like they have for countless others who have been injured in auto accidents in Charleston.
While we recommend letting our experienced personal injury lawyers handle this, it’s a good idea to understand the basics about these types of coverage.
Liability insurance, including property damage liability coverage, is used if you are at fault. For instance, if you caused the car crash, your liability insurance would cover the cost of the other driver’s damages. Keep in mind that all SC drivers are required to carry the $25,000 minimum.
The other type of auto insurance is physical damage. This includes collision coverage and comprehensive coverage, and is used to insure against damage to your vehicle. Collision coverage pays for damage caused by a collision with any type of object, including cars, trees, etc. Comprehensive coverage pays for damage NOT caused by a collision, such as a fire, vandalism, etc.
Determining Who Is to Blame
Oftentimes it’s simple to determine which driver was at fault. But if you suspect that drunk or distracted driving caused your car wreck in Charleston, SC, call Hoffman Law Firm’s car accident lawyers immediately.
The at-fault driver’s car insurance company may offer you a quick settlement, but don’t fall for it. While a fast pay-out might sound good in the moment, it’s crucial to remember that the car insurance company is not on your side. Accepting their offer could leave benefits on the table – and if you’ve been hurt in a car accident, you can’t afford to settle for anything less than you deserve.
Your Charleston Car Accident Lawyers
If you’ve been hurt in an auto accident in Charleston, trust the personal injury lawyers at Hoffman Law Firm to fight for the compensation you deserve.
Our auto accident attorneys have the experience necessary to get results – and we’re ready to put that experience to work for you. After your car wreck, contact Hoffman Law Firm to schedule your free consultation in our North Charleston office.