I Want to Sue the Insurance Company, Not the At-Fault Driver!

This is a statement we hear a lot. The reality is only in limited circumstances can you sue an insurance company. In most cases, such as automobile wrecks, the adverse or at fault driver is actually the person who you are alleging caused the collision and in order to trigger insurance coverage, this individual who caused the collision must be the named defendant. You must have a skilled lawyer who is well-versed in searching for any and all applicable insurance policies to ensure you get all the compensation available.

A skilled lawyer will know where to search for any and all insurance policies. At Hodge and Langley Law Firm, we use every resource available to not only find an active insurance policy(ies), but we attempt to locate any supplemental and excess insurance policies that could potentially compensate an injured victim.

For instance, South Carolina law the requires every automobile to be insured up to $25,000 in bodily injury coverage and $25,000 in property damage coverage. With hospitals continuing to raise the cost of diagnostic tests and evaluations, recovery on these minimum limits rapidly exhausts. However, often adverse drivers are not the owner of the vehicle they were operating at the time of the crash and additional or excess liability policies may exist to compensate. Also, Personal Injury Protection (PIP) and Underinsured Motorist Coverage (UIM) policies can be available, not only from the accident-vehicle, but for any vehicle you or a resident relative insure at home. While PIP and UIM are not required, many drivers have the wherewithal to purchase (and should) as UIM comes with a low premium and is that added layer of protection and recovery – without increasing your insurance rates if the time comes to use it.

If you have been injured in a car wreck and need help searching areas of recovery to get the compensation you deserve, please call the office of Hodge and Langley Law Firm, P.C.