Q: Is it true that in South Carolina the maximum award on vehicular- pedestrian collision is the limit of the ins policy?
As I was crossing the street, a woman ran into me causing serious injuries.
A:
No, that is not always the case. There are several factors to take into account outside of the actual bodily injury aspects of the policy, which sometimes get overlooked. Some of those include:
1.) Property damage coverage for punitives if punitive conduct can be shown;
2.) Assets of the individual tortfeasor;
3.) Other potential defendants (why did this person hit you - blocked view, drunk, etc.) that may have some liability
4.) If insurance company fails to pay policy limits timely, there might be an open policy scenario where the insurance company itself is also responsible for the full extent of the harm.
You should always consult with an experience personal injury and insurance lawyer before making any final decisions about your case. Any other questions, don't hesitate to reach out.
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