Charleston car accident damages can compensate an injured party for everything from medical bills to mental anguish. Additionally, depending on the specific circumstances, a person may even be able to recover damages meant to punish the at-fault party’s egregious behavior. The specific damages available in claim depend heavily on the particular circumstances, which makes working with an experienced professional essential.
A highly qualified car accident attorney can guide you through the process so that you can understand what damages are available in your case. Throughout the claims process, an attorney can work to build a compelling claim that clearly illustrates the damages you need and deserve.
Damages Available in a Car Accident Claim
A typical car accident case involves economic losses for the past and future lost wages, past medical bills, and the estimated cost of future medical bills. Non-economic damages are also a part of a comprehensive claim and can include pain and suffering, loss of enjoyment of life, and permanent impairment to body parts. A separate claim can be made for loss of consortium damages if the injured party must hire someone to do tasks in the home that they can no longer complete because of their injuries.
In certain cases, it may also be possible to argue for punitive damages in addition to the other damages. These damages are meant to punish especially egregious behavior that caused an accident. That behavior could be someone who is under the influence of drugs or alcohol while driving or someone who has a terrible driving record and should not be behind the wheel. An attorney can help determine the specific Charleston car accident damages available.
What Does Insurance Cover?
Any insurance policy insures and covers the losses caused in a car accident up to their policy limits. In South Carolina, the mandatory minimum insurance requirements are relatively low. A minimum policy that provides $25,000 in coverage for bodily injury is sufficient in the state. However, this is generally not enough coverage to pay for severe injuries in a car accident.
Because most insurance policies will not cover the full cost of treating injuries in an accident, it is essential for anyone who is driving to have underinsured motorist coverage (UIM). This coverage allows a person’s insurance policy to provide additional money when the policy limits for the at-fault driver are inadequate to satisfy the damages caused by their negligence. An attorney can help determine what a specific policy will cover and what a person’s options are for getting the compensation they need.
The Role of a Lawyer
An attorney has a significant role in helping someone recover damages. Whether established evidence of liability or damages, attorneys can help. The attorney can meet with doctors to get expert medical opinions regarding the injuries and ensure that all costs are addressed in the claim. That includes the cost of future medical care and treatment, impairment ratings to injured body parts, job restrictions that may prevent someone from going back to their old job or any job. Once the attorney has a list of all the medical care the injured party needs going forward, they may hire an economic expert and a life care planner to quantify the future medical costs for treatment over the person’s lifetime.
An attorney can also work to establish liability for the accident. To do this, they may hire an accident reconstructionist shows how the accident occurred when there is a disputed liability. Throughout the process, an experienced attorney can help build a comprehensive claim that compellingly shows both liability and the costs of the injuries the victim suffered.
An Attorney Can Explain Charleston Car Accident Damages
The Charleston car accident damages available depends heavily on the specific facts of the case. An attorney can explain the compensation that may be available in your case. To learn more, call today.