How does auto insurance help a person who was involved in a collision in Charleston?

Charleston, SC – Car insurance is an important way for drivers to manage their risk of being on the road. Accidents are a common occurrence in South Carolina and other states, and property damage or injuries can result. Fixing property damage or paying for medical treatment can become a very large expense that is beyond the means of some people, so insurance companies help manage the burden of these kinds of costs after an accident. There are auto accident attorneys in South Carolina who are available to provide more information to anyone who needs help.

Liability insurance

South Carolina law requires that all drivers have basic liability coverage. This is meant to cover damage caused by a driver when they are involved in a crash. This type of coverage includes several thousand dollars for personal injuries and property damage, and all policies sold in the state will have liability coverage at minimum. However, liability coverage will not cover the driver’s own personal losses. This means that the person either has to protect additional types of coverage or file a lawsuit to get financial assistance for their own medical bills and property damage. 

Other types of coverage

People may purchase other types of coverage, such as comprehensive coverage or protection if a crash involves an uninsured or underinsured motorist. Comprehensive is for the purposes of compensating the victim if there is theft, vandalism, or other forms of damage that were not caused by a regular motor vehicle crash. Coverage for uninsured drivers will also compensate the person if there is no other insurance company to sue after an accident due to a lack of coverage. The victim essentially subsidies these costs by paying their own insurance company up front in case a crash involving a driver without insurance happens. 

Lawsuits against another driver

Depending on the specifics of any accident, it may be necessary for the victim to file a civil injury lawsuit to be paid for their losses. This is usually done for the purposes of paying medical bills, but there are usually other associated costs such as lost wages and time away from work, as well as projected future costs if the victim will need more treatment or lose earning potential due to their injuries. It is also possible that non-economic compensation is available in a lawsuit due to the victim’s pain and suffering. 

More information about motor vehicle accidents and lawsuits

The Clekis Law Firm is available to assist people who need help after a car crash in the Charleston area. Anyone who needs to speak with an attorney who is licensed in South Carolina can contact the firm to learn more. 

Firm contact info:

The Clekis Law Firm

171 Church St., Charleston SC, 29401

[email protected]



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