All You Need to Know: An Accident With an Uninsured Motorist

Every driver does their best to avoid getting into a collision. Unfortunately, auto accidents do happen — and sometimes, the other driver may be uninsured. After such an incident, it can be hard to know what steps to take. Who will cover your vehicle’s damages? What penalties exist for the uninsured motorist who struck you? Driving without insurance is a crime in South Carolina, and victims in accidents with such drivers may be entitled to legal and financial relief.

Does South Carolina Require Insurance?

South Carolina law states that all drivers must have auto insurance. In addition to liability insurance, which covers bodily and property damages, uninsured motorist coverage is required. This policy will cover you directly if you get into an accident without proper insurance. A minimum of $25,000 each of coverage for property damage and bodily harm will be available to you after the collision.

To drive without proper coverage is a crime. Fines and suspension of your vehicle registration or license can both result from being on the road without it. In addition, if you are at fault in an accident while uninsured, you can be sued for damages.

The First Steps After an Accident

The first step after every accident is to file a police report. Make sure to request a copy of the full report for your personal records. If you intend to pursue a lawsuit against the uninsured driver in the future, you will need as much evidence as possible about the cause and damages of the collision.

While on the scene, before police arrive, you should carefully photograph every angle of the incident. Be sure to take images of the damages to both vehicles or persons. Any other documentation that may be helpful, like copying down the other vehicle’s license plate, should also be taken at this time. You will need as much proof as possible to pursue a claim against the other driver.

Getting Legal Help

Once you’ve completed a police report and proof of fault and damage, it’s time to contact a law firm. Qualified lawyers can review your case and advise you on the best options regarding your suit. Bailey Law Firm is ready to guide you through your next steps. Contact me today to set up a consultation.