Most people would expect that if they were involved in an auto accident, they and the other party would follow the proper procedures of reporting the accident and exchanging insurance information. While this is mostly the case, there are times when the at fault party will hit and run, leaving you with a wrecked car and possible personal injuries.
If you are involved in an accident like this and do not know the other party’s information, there are actions you must take involving an insurance claim and the law. You may have a right to action or recovery if three things occur:
- You, or someone on your behalf, must report the accident to the police within a reasonable amount of time after the accident has occurred.
- There must have been physical contact to your person or vehicle by the unknown vehicle, or you must have an eyewitness who will sign an affidavit as to what happened; and
- You must do everything reasonably possible to determine the identity of the other driver and vehicle at the time of the accident.
If you are able to satisfy these three conditions, you have a viable Uninsured Motorist Claim. The claim is against the at-fault party, but the damages are paid by your insurance company from your Uninsured Motorist coverage. In South Carolina, you must carry Uninsured Motorist coverage in the amount of $25,000 per person and $50,000 per accident. However, $25,000 can disappear in one helicopter flight, one night in the hospital, or one surgery. My suggestion is that you have at least $250,000 per person Uninsured Motorist coverage. You can usually up your coverage from $25,000 to $250,000 for an unbelievable $2-$3 dollars per month. That’s 10 times the coverage and protection from irresponsible drivers. If you need help with a John Doe case, give us a call.
Dirk J. Derrick of The Derrick Law Firm has 25 years experience in helping families recover from the devastating consequences of other people’s recklessness. Please call 843-248-7486 to speak to Myrtle Beach personal injury attorney, Dirk J. Derrick, if your family needs help.