Many people are aware of the fact that mopeds are not required to carry insurance in South Carolina. However, that is not the end of the story. Whether the accident was caused by the driver of a car or a moped, the injuries are often severe. And while the moped may not have liability coverage, it's important to know about the other auto and health insurance issues that could be involved.
3 Things You Should Know If You Were Injured in a Moped Accident
1. If the driver of a car is negligent and causes harm to anyone on a moped, the car's insurer is on the hook. Moreover, because moped injuries can be so devastating, it is important to explore the possibility of excess, umbrella, and underinsured motorist coverage after such an accident.
2. Anyone who requires medical care should use their health insurance to pay for such care. Accident victims are frequently told they can pay out of a settlement rather than using health insurance, but that is simply a medical provider's way of trying to steal your money and deprive you of the benefits that come from being insured. For example, it would be much better to owe the hospital $1,000 and BlueCross $4,000 at the end of your case than having to pay a $15,000 bill out of your settlement funds. In short, you will benefit from a health and financial standpoint by insisting that your accident related bills be filed with your insurer.
3. If you are the one who has been hurt by the moped driver - be it as a passenger, pedestrian, or motorist - South Carolina law allows you to recover from your uninsured or underinsured carrier, depending on whether the moped driver had any coverage. Some legislators have proposed requiring mopeds to carry liability insurance, but until that day comes, people injured by mopeds will generally be forced to file a claim with their own insurer. While some people are hesitant to contact their own insurance company because of fears over rate increases, the truth is that if you have been hurt by a reckless moped driver, the amount of money it will take to fairly compensate you should greatly outweigh any premium increase.
Contact Our Columbia Injury Firm Today
Moped accidents often trigger health care and insurance questions that I have answered in the past, and am glad to walk you through as well. If you would like a free consultation from my award winning South Carolina personal injury law firm, simply call us today at (803) 790-2800. You can also email us via our contact page or through the live chat feature below.
Get Legal Help After a Moped Accident in South Carolina
The issues you face after an moped accident are not as simple as some people would have you believe. From how medical bills get paid to how much you should be compensated, it is always better to receive a free consultation from a auto accident lawyer than to rely on an insurance company that increases its profits by paying you less.
The attorneys at the Law Office of Kenneth E. Berger have years of experience handling cases like yours, and would be honored to help you and your family with the legal recovery process while you focus on healing. Our offices are conveniently located in Columbia and Myrtle Beach, and we proudly serve the Sumter and Florence areas, as well as the entire state of South Carolina. Call us today at 803-790-2800 (Columbia, SC) / 843-427-2800 (Myrtle Beach, SC), or start a live chat 24/7 with a real, live person to arrange a free and confidential consultation.