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Uninsured Motorist Claim Lawyer in Columbia, SC

Being involved in a car accident can be overwhelming. From unexpected medical bills and repair costs to lost wages and emotional trauma, the aftermath of a car accident isn’t easy. These stresses become worse when you realize that the at-fault party did not have insurance at the time of the accident. 

When an uninsured driver hits you, the Columbia car accident attorneys at Cavanaugh & Thickens, LLC are here to help you. With decades of combined experience handling uninsured car accident claims, millions in compensation recovered for clients hurt in accident cases across SC, and hundreds of 5-star reviews, you can trust that our award-winning lawyers will have your back throughout your case and beyond. 

For a free case evaluation directly with a Columbia uninsured motorist claim attorney, call our office at (803) 888-2200 or submit our online contact form. We fight to get every client the best possible outcome for their case and future, and we look forward to speaking with you.

How Our Car Accident Attorneys Help With Uninsured Motorist (UM) Claims

The last things you should have to deal with following an unexpected car accident is determining what insurance coverage is available to you, investigating the different types of insurance policies and stacking options, handling aggressive insurance adjustors, keeping track of critical deadlines for your case, and the other legal intricacies.

Instead, let an experienced lawyer handle the process so you can focus on healing and moving forward.

When you hire Cavanaugh & Thickens LLC, you can rest assured knowing that our team will:

  • Thoroughly investigate the accident to prove fault and negligence pursuant to SC law
  • Identify all forms of coverage available to you
  • Optimize and file your uninsured motorist claim 
  • Discover and preserve critical evidence such as witness testimony, security footage, and more
  • Aggressively negotiate with insurance companies, fighting to get you the entirety of what you deserve 
  • File a lawsuit and bring your case to trial if necessary
  • Keep you updated on the status of your case and check in with you so you never feel alone or in the dark

At Cavanaugh & Thickens, LLC, we take a “Client Focused. Results Driven.” approach to every case. Meaning you and your goals for the case will always be the top priority. To learn more or to get started on the road to justice and recovery, reach out to our team today.

What Are The Insurance Requirements for Columbia, SC Drivers?

Car Insurance Policy Document. Someone is actively signing the document, and there is a red toy car on top of the document.

In Columbia, and throughout South Carolina, the law requires motorists to purchase Uninsured Motorist (UM) Coverage. This protects you should you be hit by an uninsured driver. 

In South Carolina, you are required by law to carry a minimum of $25,000 in coverage per person for bodily injury, $50,000 for all person(s) injured in an accident, and $25,000 in property damage coverage. This is commonly referred to as a 25/50/25 policy.

Despite this law, approximately 10.3% of South Carolina drivers in 2023 were uninsured, according to the Insurance Information Institute. 

Can You Sue an Uninsured Driver in South Carolina?

Yes, if you or a loved one was hurt in an accident caused by an uninsured driver in South Carolina, you can still file a lawsuit against the at-fault party seeking compensation. However, if they do not have insurance to cover your damages, these cases can become quite complicated. Our team has decades of combined experience handling accident claims in South Carolina, and we’re here to help.

Our team will help you navigate the legal process and determine all forms of compensation and coverage available to you, such as through your own uninsured motorist coverage, Personal Injury Protection or PIP, MedPay, collision coverage, and other forms of insurance. We will also look into all available stacking options.

What Is the Statute of Limitations for Uninsured Motorist Claims in South Carolina?

Generally, you have three years from the date of the accident to file claims, including against uninsured motorists (UM), in South Carolina. However, there are exceptions to this timeframe which can reduce the amount of time you have to file. In addition, there are many benefits for acting quickly – your attorney can preserve critical evidence, get fresh witness testimony, and much more. To learn more and protect your rights, contact an experienced car accident attorney today.

Uninsured vs Underinsured Motorist Claims

While uninsured motorist coverage is required by law, underinsured motorist coverage (UIM) is an optional coverage that you can rely on if your damages exceed the at-fault party’s insurance coverage. 

Do I Need to Hire a Lawyer for an Uninsured Motorist Claim in Columbia, SC?

It’s important to remember that even if you are seeking compensation from your own insurance company, we’ve seen firsthand that insurance companies will still try to minimize and even deny payouts to their insured. 

We will fight to get you the best possible outcome for your case and future. To understand your options under South Carolina law after being hit by an uninsured driver, contact the experienced Columbia uninsured accident claims lawyers at Cavanaugh & Thickens, LLC by calling (803) 888-2200.

Schedule a Free Case Evaluation with a Columbia Car Accident Attorney at Cavanaugh & Thickens, LLC Today

You have options after an accident caused by an uninsured driver. Call our team today at (803) 888-2200 for a free case evaluation directly with a reputable Columbia uninsured motorist claims attorney. We’re here and ready to help.

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