What if the driver who caused my bicycle accident does not have enough insurance?

If the driver who caused your bicycle accident does not have enough insurance, you may still have some legal options for pursuing compensation. In South Carolina, the at-fault party is required to pay for damages resulting from a bicycle accident, regardless of whether they are insured. If the driver does not have enough insurance to cover all of your losses, then you could take legal action against them. In South Carolina, if the driver has assets, such as a vehicle or property, that are worth more than the amount of insurance coverage they have, then you may be able to go after those assets to cover your losses. Additionally, if the at-fault driver is employed, their employer may be held liable in a lawsuit. However, this is only applicable in very specific cases where the driver was acting within the scope of their employment when the accident occurred. If all of the above options have been exhausted and the at-fault driver still does not have enough insurance to cover your losses, you may also be able to file a claim with your own insurance provider. While this will not provide full coverage for your losses, it can help with some of the expenses related to the accident. It is important to note that having insurance is not a requirement for driving in South Carolina; however, it is something that can be beneficial in a situation such as a bicycle accident. When selecting an insurance provider, be sure to get enough coverage to protect yourself in the event of an accident.

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