Charleston, SC – When a driver is purchasing auto insurance, there are a number of things that can be added to a policy to offer additional protection. Personal injury protection is a form of coverage that helps drivers and their passengers with basic medical coverage and other expenses tied to the accident, even if they are at fault.
Required insurance coverage
Drivers in South Carolina do not need to have personal injury protection to be able to drive legally. They only need to have standard liability coverage that gives protection for bodily injury, property damage, and uninsured drivers. Many commercial auto insurance companies offer personal injury protection and other forms of coverage that help in case of losses due to theft, crime, and other unforeseen problems. Anyone who is about to purchase auto insurance should speak with the provider about all of these options and choose the plan that is best based on their driving habits.
Why would a driver pay for personal injury protection?
This is essentially another way of getting financial assistance if it is ever needed after a collision. The PIP coverage can pay for the driver’s medical expenses, passenger’s injuries, and other kinds of losses without having to go through the process to determine fault. As the name implies, the driver is essentially covered for their own personal injuries.
Car accidents and lawsuits
The main reason for liability coverage is to help drivers who are sued for being at fault pay for any losses or damage that they cause. Without liability coverage, the person would be liable for paying out the damages from the lawsuit out of their own money. Most people cannot realistically afford to do this, so the government requires insurance by law to make sure accident damage is paid for.
A person who has been injured in a car crash can always try to get legal help and see if a lawsuit is necessary. Personal injury lawsuits can recover amounts that help pay for lost wages, medical treatment, property damage, and other losses that are tied directly to the accident. Especially in situations where insurance will not cover an accident, or pay out enough due to the severity of the damage, lawsuits are often the best way for victims to get financial help. Consulting with a local lawyer is recommended for anyone who is considering a lawsuit tied to a car crash.
Auto accidents in the Charleston area
The Clekis Law Firm is experienced in all personal injury matters under South Carolina law. After an accident, a meeting with one of their attorneys about compensation and lawsuits is the best way to get started and learn about personal injury cases.
Firm contact info:
171 Church St., Charleston SC, 29401