What if the driver at fault in a bicycle accident does not have enough insurance?

In the case of a bicycle accident in South Carolina where the driver is at fault but doesn’t have enough insurance, the cyclist can still bring a claim against the at-fault driver. This is done through an insurance process known as uninsured/underinsured motorist coverage (UM/UIM) or through a civil lawsuit. Uninsured/underinsured motorist coverage is a type of insurance that is sometimes offered in bicycle accident cases. It is designed to provide compensation to accident victims who are injured by a driver who has no insurance, or not enough insurance to cover the extent of damages. Uninsured/underinsured motorist coverage can cover medical expenses, property damages, lost wages, and pain and suffering. If the cyclist does not have uninsured/underinsured motorist coverage, they have the option of pursuing a civil lawsuit against the at-fault driver. In a civil lawsuit, the cyclist would be entitled to damages for economic losses, such as medical bills or lost wages, as well as non-economic losses, including pain and suffering. Additionally, the cyclist could seek punitive damages, which are intended to punish the at-fault driver for their actions. No matter what type of insurance the at-fault driver has, cyclists who are involved in an accident with them should seek legal counsel to discuss their options for recovering compensation. A lawyer can help the cyclist understand their rights and navigate the legal process so they can get the compensation they deserve.

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What if the driver at fault in a bicycle accident does not have enough insurance?

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