If you need help with insurance claims after a Charleston motorcycle accident, then you need to turn to a dedicated legal professional. Attorneys could gather evidence of driver negligence and vie for the compensation you are owed by insurance companies. Reach out today to learn more about the laws the impact your claim.
What Should Motorcyclists Look For in an Insurance Plan?
In Charleston and South Carolina, motorcyclists should look for liability coverage (which is mandatory in South Carolina) in their insurance plan. That means insurance for them in the event that they are involved in an accident.
The minimum limit and coverage as of 2019 is $25,000 per person, and $50,000 per occurrence. That means $25,000 is available at the minimum to pay the other driver or drivers if they were involved. Regardless of whether three or five people were injured due to their faults or negligence, the most that is able to be recovered is $50,000. To account for the unexpected, a person should set their limits as high as they can.
When someone is not at fault and the other driver is uninsured, in South Carolina, the injured person automatically gets underinsured motorist coverage (UM) as a result of getting the liability policy. They get the amount of coverage they got for liability for the amount they have for uninsured motorist in the event that an uninsured driver crashes into them causing injury to them.
Another optional insurance in South Carolina is underinsured motorist (UIN). Every motorcycle driver should have UIN because the minimum limits for liability coverage in South Carolina is only $25,000 to $50,000. It is really important for a motorcycle driver and any driver to get UIM and get the highest amount they can afford.
When it comes to Charleston insurance claims and motorcycle accidents, If another driver injures a motorcycle driver and they only have minimal limits, the motorcyclist only gets $25,000. If they spend one night in a hospital, they will likely exceed that coverage. Having the uninsured motorist as a secondary policy is crucial, especially with the types of catastrophic injuries that usually go with a motorcycle accident claim.
Minimum and Maximum Coverage
The minimum limits require at least $25,000 to $50,000 of coverage for a motorcyclist. However, the lowest amount of coverage a motorcyclist should have is $100,000 to $300,000. The best coverage if one can afford it is at least $300,000 to $500,000. Even then, it is a good idea to have umbrella coverage that goes beyond that in an amount of one half to one million dollars. These umbrella policies are typically pretty inexpensive because the likelihood of the damage going that high is low, so the cost of the premium for the extra coverage is typically low as well.
How Much Does Minimum Insurance Cover?
For motorcyclists in South Carolina, the minimum limits one can possibly purchase is $25,000 to $50,000. If an individual is hurt as a result of the motorcyclists actions, $25,000 is the most that will be paid out for them. It two people are injured, a total of $50,000 is paid out. If there are three, four, or five people, only $50,000 is paid out.
Even though these are the minimum limits, South Carolina undervalues what the damages would likely be. That exposes the motorcycle driver to potential lawsuits for their personal assets, and especially for the liability and they want to stay away from that. One wants to try to get as high a coverage as they possibly can.
Learn About Charleston Insurance Claims and Motorbike Wrecks
In Charleston, motorcycle accidents and insurance claims are closely related. Because every driver must have insurance to legally operate a vehicle, filing a claim after a wreck is almost second nature. However, many people drive without coverage, and when that happens, motorcyclist who are injured by such a driver should turn to an experienced attorney who could help them make a recovery. Call today.