Frequently Asked Questions

How long do I have to file a personal injury claim? What if the driver who hit me is uninsured? Why do I need to hire a personal injury lawyer?

We answer these questions and many more in our collection of frequently asked questions. Unlike many websites that provide brief yes-or-no answers to important legal questions like these, we provide detailed answers to help you get a better idea of your rights, your options, and what you can hope for in the future.

If your questions are not answered here, feel free to connect with us through our website, or call us at 843-488-5360, to speak directly with us about your legal concerns.

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  • How can I appeal a denied out-of-state insurance claim?

    Myrtle Beach consumers have a lot of options when it comes to purchasing insurance. Many people choose to use a South Carolina-based company, but there are plenty of out-of-state insurance providers that are licensed to insure in South Carolina, as well. It is legal to use an out-of-state company, and when people choose this option, those companies have the same obligations as in-state insurers. Often, however, insurance companies will delay or deny legitimate claims. And when the policy holder is out of state, it’s important to understand your options for obtaining compensation if you’ve been in an accident. 

    Understanding Consumer Responsibilities in Myrtle Beach

    First, it’s important to understand that consumers do have responsibilities when obtaining insurance. While it is acceptable to use an out-of-state insurance company, the company does have to be licensed to do business in South Carolina. A comprehensive list of approved companies can be found on the state’s Department of Insurance website. If you purchase from an unlicensed insurer, there is no guarantee that your policy will be honored.

    Second, consumers have a duty to be honest with their insurance company. If you provide untrue information about where you live or the property that you own or other key elements of a policy, this could be considered insurance fraud. Not only would this negate your agreement, it is also a crime.

    When an Insurance Company Won’t Pay Your Claim

    Out-of-state insurance claim denials The Derrick Law Firm

    When consumers follow the rules and file a legitimate claim, their insurance company has a duty to provide compensation as defined by the policy. Too often, however, these companies attempt to reduce their own liability by delaying or denying claims. When your insurance company is out of state, it can feel more difficult to fight back, but the same rules apply. An experienced insurance attorney can help accident victims obtain the compensation they deserve by:

    Appealing the Denial 

    Claims are often denied due to application errors, policy ambiguities, lack of coverage, and simple errors. Insurance companies do have systems to appeal a denied claim. They may not make this process straightforward, but it can be possible to revisit your claim and obtain the compensation you deserve. An experienced attorney can investigate your claim, provide additional information, negotiate with the insurance company, and act as a tenacious, knowledgeable advocate.

    Suing the Insurance Company 

    In some situations, an insurance company is acting in bad faith, and it is necessary to file a legal claim against the insurance company to force it to pay the compensation that is owed.

    Have You Been Denied An Insurance Claim? Is Insurance Delaying Your Payment?

    If you've been denied an insurance claim, or the insurance company is delaying your payment, you need to speak with an experienced attorney as soon as possible. Please contact us online or call our Conway, South Carolina office directly at 843.248.7486 to schedule your free consultation. We are also able to meet clients at our Myrtle Beach, Murrells Inlet, Mt. Pleasant, North Myrtle Beach or North Charleston office locations.


  • Do I need an attorney if insurance has denied my Myrtle Beach accident claim?

    After an accident and injury, the last thing victims want to do is fight with an insurance company. When you’ve faithfully paid on your policy, it’s reasonable to expect that your insurance company will provide the compensation you need to recover. Receiving a letter denying these important benefits can be very difficult to manage during this stressful time. Many injury victims aren’t sure what to do, and many wonder if they need an attorney to obtain the compensation they deserve. When accident insurance claims are denied Myrtle Beach Derrick Law Firm

    Getting Help From an Attorney After an Insurance Denial

    While a lawyer is not required to deal with an insurance denial, an experienced insurance attorney can provide the guidance and action that victims need. Many injury victims have little experience dealing with insurance companies. They may not be prepared for the tactics insurance companies will employ, and they likely do not have a full understanding of their rights and obligations.

    What a Myrtle Beach Insurance Lawyer Can Do for You

    Insurance companies will try any number of tricks to avoid paying on your claim. The right attorney can recognize these tactics and navigate the system to ensure that injury victims obtain the compensation needed to recover as fully as possible. The right attorney will:

    Investigate The Denial

    It may not be clear as to why your claim was denied. An attorney will review the denial to determine its validity. In some cases, your clam may have been rightly denied. In many other cases, the reasons for the denial can be contested.

    Gather Supporting Documents

    It may be that additional documentation is needed for your claim. An experienced attorney can gather medical records and other important documents for the insurance company. A skilled attorney knows what information will change the course of your claim and how to find it.

    Draft An Appeal

    Different insurance companies and different states have varying procedures for appealing a denied insurance claim. An attorney can begin the appeals process by working within the set framework of your unique situation. An initial letter can set the tone for your appeal and provide a clear message to the insurance company.

    Negotiate With The Insurance Company

    Appealing an insurance denial and handling the back and forth with the insurance company can be overwhelming for victims who are also dealing with their injuries. An attorney can ease that burden by acting as a victim’s advocate and negotiator.

    File A Lawsuit If Necessary

    In some cases, insurance companies simply won’t provide the benefits a victim deserves. When they fail to uphold their duty, it may be necessary to file a claim in court. An experienced attorney can provide the guidance necessary to be successful.

    Getting an attorney involved in your insurance denial may seem daunting, but the right lawyer can make all the difference in your claim. With experience and knowledge of the system, he can help victims and their families obtain the compensation they need to recover as fully as possible. Even if you aren’t sure that a lawyer can help your situation, our legal team can review your case and provide some answers. 

    Have You Been Denied An Insurance Claim? Is Insurance Delaying Your Payment?

    If you've been denied an insurance claim, or the insurance company is delaying your payment, you need to speak with an experienced attorney as soon as possible. Please contact us online or call our Myrtle Beach, South Carolina office directly at 843.443.4004 to schedule your free consultation. We are also able to meet clients at our Conway, Murrells Inlet, Mt. Pleasant, North Myrtle Beach or North Charleston office locations.


  • The insurance company won't pay enough to settle my Myrtle Beach accident claim. What can I do?

    Woman Looking at Paperwork After a Myrtle Beach Accident Derrick Law FirmEven though you have paid your premiums and have a legitimate claim after a Myrtle Beach accident, your insurance company will try a variety of tactics to deny your claim. Even if they do approve your claim, they may not offer what you deserve. Before you accept an unfair offer from your insurance company, find out what you can do to get a better settlement.

    Tips for Increasing the Value of Your Myrtle Beach Accident Claim

    The fewer reasons your insurance company has to reject or reduce the value of the claim, the more likely you are to get a fair settlement offer. You can make sure you are submitting a strong claim by taking the following steps immediately after the accident:

    • Call the police
    • Take pictures of the scene
    • Get contact information from others involved in the accident
    • Get prompt medical care
    • Contact your insurance company right away

    These actions will ensure you have the evidence you need to convince the insurance company that you were seriously injured in the accident and that the accident was not your fault. If time has passed since the accident and you were unable to do these things, you may still be able to get a fair settlement by working with an experienced accident attorney.

    Call The Derrick Law Firm for Help With a Myrtle Beach Insurance Claim

    If you have filed a legitimate claim with your insurance company and they make a low settlement offer, they may be acting in bad faith. Wherever you are in the claims process, the accident attorneys at The Derrick Law Firm in Myrtle Beach and North Myrtle Beach can step in and help you get the settlement you deserve. Whether it involves negotiating a fair offer or filing a bad faith insurance claim, our attorneys will do what it takes to get you the insurance settlement you deserve. Call our Myrtle Beach office at 843.488.3165 or fill out the contact form on this page to get in touch with us today. We are also able to meet clients at our Conway, Murrells Inlet, Mt. Pleasant, North Myrtle Beach or North Charleston office locations.