Three people were injured following a car wreck near Longs, South Carolina, in the morning hours of September 14th. According to an article published by WMBF News, South Carolina Highway Patrol is currently investigating this incident. Horry County Fire Rescue noted that this wreck occurred between two vehicles traveling on Highway 905 and Freemont Road. The three injured persons were taken to a nearby hospital for treatment of their injuries. The extent of these injuries is not known at this time. Following this incident, multiple lanes were reported to be blocked off surrounding the scene of the incident, likely causing traffic delays for morning commuters.
In this particular car accident, there were three people who were injured and needed to seek medical treatment for their injuries.
What if there is more than one person injured in the vehicle? Is there any chance for me to get paid?
This is an excellent question. Getting paid or receiving money from a personal injury case is called recovery. There are a number of variables that can impact the amount of money you can receive from a personal injury case (i.e., amount of medical bills, the extent of property damage, pain, and suffering). But what is the factor that impacts recovery the most? INSURANCE COVERAGE.
Let’s talk coverage
Each state has its own laws concerning insurance coverage requirements. For example, South Carolina requires drivers to have bodily injury liability coverage of at least $25,000.00 per person and $50,000 per incident. This means that if you were to cause a car wreck, the injured party would have $25,000.00 in coverage for their medical bills and other expenses. It’s important to note that South Carolina DOES NOT require drivers to have uninsured/underinsured motorist coverage. What does that mean? Imagine this scenario. You have just purchased a new vehicle and new insurance to accompany it. When signing up for your insurance plan, you purchase the required minimum in bodily injury liability insurance but choose to forego uninsured/underinsured motorist coverage. You have planned to have dinner with friends to show off your new ride. However, on the way to your dinner, you are t-boned and injured by a driver who is driving without insurance. In this case, you would not have coverage for your medical bills and other expenses.
Considering what we now know about insurance coverage, let’s revisit the car wreck where multiple people were injured. If the bodily injury coverage of the at-fault party is at the state minimum, the injured persons will have a maximum of $25,000.00 in coverage per person but a maximum $50,000.00 in coverage to share between all injured parties in the vehicle. As you can see, navigating insurance coverage following a car wreck can be a headache.
Do you have a question about insurance coverage following a car wreck? Give us a call at Armada Law today for your free legal consultation!