Strom Law Firm Columbia SC
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Car Insurance Dispute Lawyers

South Carolina Automobile Insurance:  What You Need to Know

Contact our Car Insurance Dispute Lawyers at the Strom Law Firm to protect your rights and obtain the compensation you deserve.

Whether youCar Insurance Dispute Lawyers are driving on I-20, I-77 or headed downtown on I-26, a single moment can change your life. Even if it is not your fault, a car accident can leave you with mounting medical bills, lost wages, and a totaled vehicle. But what do you do if you are in a car accident or motorcycle accident and the one at fault is an uninsured driver?

Don’t give up.

What many people do not realize is that their own insurance policy may cover what the policy of an uninsured driver does not. When you hire the Strom Law Firm, we will review all possible sources of coverage to help ensure that you receive the money that you deserve for your injuries.

What is the Difference Between Uninsured and Under-insured?

A person who drives and causes an accident and does not have any auto insurance, is legally defined as an uninsured driver. A person who has insurance but does not have enough coverage to pay for injuries that result from your accident is considered under-insured.  In South Carolina, both uninsured and under-insured car insurance are available.

How Can I Protect myself against Uninsured and Under-insured Motorists?

Talk to your South Carolina car insurance agent to discuss purchasing uninsured and under-insured motorist coverage.

You want to purchase coverage in the event that you are injured in an auto accident, and the at-fault driver is not insured and/or has insufficient coverage to compensate you for your injuries.

This may be true even if you do not have comprehensive or collision insurance. The auto accident attorneys at the Strom Law Firm, L.L.C. have handled numerous personal injury and property damage cases, and we are familiar with insurance policies. We can weed through their legal verbiage, which can go a long way towards helping you recover.

South Carolina Minimum Insurance Requirements

25/50/25

The first two numbers apply to bodily injury. The last number applies to property damage. What this means is that if one person is injured as a result of an accident and it is your fault, your policy limits are $25,000.00. If more than one person is injured as a result of an accident that is your fault, the policy limit is $50,000.00. If more than two people are injured, the policy limit is still $50,000.00, and any possible recovery will be distributed accordingly. Of course, the amount that will be distributed depends specific facts in your case.

In the event that you get into an accident and it is your fault, your insurance company will pay up to $25,000.00 in property damage to the other driver.

In the unfortunate event that you are in an accident and you are found to be at fault, and the coverage that you have is insufficient to cover the injuries to the other party, you can be held personally liable.

Dealing With Insurance Companies

If you are in the middle of a car insurance dispute and the company is acting in bad faith, you may want to seek help from a knowledgeable car accident attorney. Dealing with an insurance company alone can be very complicated and frustrating. Many times insurance companies will try to make you settle for less than what is owed.

Car insurance companies may engage in bad faith acts including unreasonable delays in the claims process and underpayment of claims. These acts may be considered illegal and can prevent you from getting the money you are owed.

If you have been involved in a wreck, due to no fault of your own, you are entitled to have your vehicle repaired, if possible. The car insurance company should offer you reimbursement for the loss of use while your vehicle is being repaired. If your vehicle is found to be a total loss, you are entitled to the fair market value of your vehicle prior to the collision.

A South Carolina business litigation attorney at the Strom Law Firm, L.L.C. will assist you in fighting for the compensation you deserve from car insurance companies. Don’t accept less than you are owed from car insurance companies. Our South Carolina auto accident attorneys have the knowledge and experience necessary to fight big insurance companies. Our goal is for you to receive fair payment from car insurance companies. If you believe a car insurance company is treating you unfairly, contact the Strom Law Firm today for a free consultation. 803.252.4800.

How this works

Step 1 - Welcome
In this step, you'll experience a warm welcome as you enter the Strom Law Firm.
1
Step 2 - Initial Meeting
You'll meet with professionals. They will go through the facts of your case, explain the entire process.
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Step 3 - Preparations
We builds your case by interviewing witnesses, conducting legal research, drafting pleadings, and hiring experts.
3
Step 4 - Trial
You'll learn that the firm is trial-ready. They've been preparing since day one and will guide you through the process.
4
Step 5 - Resolution
your case concludes with the firm hoping for a positive outcome. They assure enduring friendships and a commitment to being there for you, regardless of future legal needs.
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No obligations & no credit card required

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My wife and I retained Bakari Sellers to represent our son in a case in Richland County. We found Mr. Sellers, his assistant Stephanie, and the rest of the staff at Strom, extremely courteous and professional. We really appreciated Mr. Sellers’ straightforward and honest approach. We believe this is a very competent law firm, and are satisfied with the legal outcome they achieved. We would highly recommend them!
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My experience with Mario and his staff was outstanding. When everyone said to give up my case with SSDI and after being poorly represented and losing. I had to file my own appeals and represent myself. I literally called every attorney in the book. Then I called Mario cold – I expected one more no! Well, this gentleman took my case and won. He knows the law and cares a lot. I am proud to call him my friend. If you need a professional to help you, call these guys.
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John Alphin was great. We basically worked together for 22 months. Bakari Sellers was also on the team and together those 2 guys were fabulous. Won the case and I’m still a client of Strom law firm. Thank you and awesome law firm.
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Strom Law Firm was really great and professional. I had a great experience with Mario as my attorney and his paralegal, Brian. These two are amazing, they worked very hard on my husband’s workman’s comp case and we were very pleased with the services and results 👍. Brian was so prompt at returning phone calls and getting things ready for the case. I strongly recommend this firm for any of your legal matters. If I had to use you guys again, I would be happy to do so.
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Mario Pacella at Strom Law Firm LLC in Brunswick, Georgia, is a masterful, no-nonsense lawyer. His caring and compassionate approach, along with prompt responsiveness, sets him apart. Mario and the firm exhibit exceptional professionalism and attention to detail, emphasizing genuine care for every client.
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