What To Do After an Automobile Accident

August 12, 2013 3:00 pm
Mon, 08/12/2013

Being in an automobile accident can be a painful and terrifying event.  South Carolina has fault based insurance laws.  This means that if you are injured in an automobile accident that is caused by another party you should be entitled to compensation for your injuries, medical treatment, lost wages, and pain and suffering.  However, dealing with the insurance company and getting everything you are entitled to can be an extremely frustrating experience.

The first thing to remember after an accident is to get the medical treatment that you need for the injuries that you sustained in the wreck.  Your health should be the primary concern.  However, automobile liability insurance differs from health insurance.  Automobile liability insurance does not “pay as you go”.  In other words, you or your health insurance will be responsible for paying for your medical treatment up front.  Then at the end of the case, when it comes time for settlement, you (and potentially any health insurance) should be reimbursed for the cost of medical treatment as part of the settlement.  You should also check with your own insurance company to see if you have any personal injury protection or medpay coverage, which can be used to help pay some of the medical bills prior to settling with the liability carrier.

If you or a loved one has been injured in an automobile accident, contact McWhirter, Bellinger & Associates for a free consultation.

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