What Your Car Insurance Really Covers After an Accident (and When to Call a Car Accident Lawyer)

A car accident lawyer can be one of your most important resources after a crash especially when you realize your insurance may not cover everything you expected.

The Shocking Truth About Standard Car Insurance

Most standard auto insurance policies are designed to meet minimum state requirements, not to fully protect you after a serious injury.

In South Carolina, the law requires drivers to carry liability coverage of:

$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage

While this coverage may be enough to fix a fender bender, it often falls short when it comes to medical bills, lost wages, or long-term rehabilitation. Worse, if the other driver is uninsured, or underinsured, you may be left footing the bill unless you have special protections in place.

What Does Your Insurance Actually Cover After an Accident?

Insurance companies often limit what they’ll pay and may dispute the severity of your injuries. Coverage depends on your policy. Key areas to review include:

Liability Coverage:

Pays for damage you cause to others, but not your own injuries.

Collision Coverage:

Helps cover your own vehicle damage after an accident.

Comprehensive Coverage:

Covers non-crash-related incidents like theft, fire, or weather damage.

Medical Payments Coverage:

May help with hospital bills but is usually capped at a low limit.

Personal Injury Protection (PIP):

Personal injury protection in SC is not required but can offer added medical coverage. Check your policy to see if it’s included.

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The Role of Uninsured & Underinsured Motorist Coverage

Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage can be a lifeline after a crash with someone who has little or no insurance. South Carolina requires UM coverage, but UIM is optional however, strongly recommended.

For a full breakdown of your rights under these coverages, see this helpful guide from Legal Clarity.

If your accident involves a hit-and-run or a driver who lacks sufficient insurance, you may need to file a claim through your own UM/UIM policy. A lawyer can help interpret your coverage and pursue compensation when insurers push back.

The Role of Uninsured & Underinsured Motorist Coverage

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Who Pays for Medical Bills, Lost Wages, and Long-Term Care?

Insurance policies are often limited in what they’ll cover, especially if injuries result in extended treatment or time off work. You might be entitled to compensation for:

Emergency room and follow-up care
Physical therapy and rehabilitation
Lost income due to missed work
Reduced future earning capacity
Pain and suffering

Unfortunately, insurers may try to undervalue these claims or delay payment. In such cases, legal representation can negotiate on your behalf or file a personal injury claim when necessary.

When to Call a Car Accident Lawyer

You should speak with a car accident lawyer if:

Your injuries are serious or long-term
You were hit by an uninsured or underinsured driver
The insurance company delays, denies, or undervalues your claim
You’re being unfairly blamed for the accident
You’re unsure how to value your losses

At DGR Law, we assist clients throughout South Carolina in navigating auto insurance claims and seeking the compensation they deserve.

What to Do If You’ve Been Injured in a Crash in South Carolina

After a crash, take these steps to protect your rights and your health:

1. Seek immediate medical attention:

Some injuries may take time to appear.

2. Document everything:

Take photos, gather witness info, and get a copy of the police report.

3. Notify your insurer:

Avoid admitting fault.

4. Track all expenses:

This includes medical bills and missed work.

5. Contact a lawyer:

Seek guidance before accepting any insurance settlement.

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Frequently Asked Questions

Is South Carolina a no-fault state?
No, South Carolina follows a “fault” system, meaning the at-fault driver is financially responsible for damages.

Can I recover compensation if the other driver was uninsured?
Yes, through your Uninsured Motorist coverage, which is required by South Carolina law.

Do I need a lawyer if I wasn’t seriously hurt?
Not always, but if you’re unsure about your coverage, or if your injuries worsen over time, it’s worth speaking with an attorney.

How long do I have to file a claim?
In South Carolina, the general statute of limitations for personal injury is 3 years from the date of the accident

Empower Yourself After a Crash

Auto insurance can be confusing and after an accident, delays and denied claims make it even more frustrating. By understanding your policy and working with a trusted car accident lawyer, you can focus on healing while someone advocates for your rights. Reach out to DGR Law to get answers and take the next step toward recovery.

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What Your Car Insurance Really Covers After an Accident (and When to Call a Car Accident Lawyer)

The Shocking Truth About Standard Car Insurance