You’ve just been in a serious accident. The injuries are painful, the medical bills are piling up, and you’re still trying to process what happened.
Then, the phone rings—it’s the insurance adjuster, sounding helpful, even sympathetic. They say they want to “resolve your claim quickly.” But is that really in your best interest?
Personal injury laws in Myrtle Beach follow South Carolina’s fault-based system, meaning the party responsible for the accident is liable for damages. However, the state also follows a modified comparative negligence rule—if you’re found more than 50% at fault, you can’t recover compensation. Insurance companies often use this to their advantage, trying to shift blame and minimize payouts.
This is why Myrtle Beach personal injury lawyers play a crucial role in negotiations. Read on to learn how having a professional on your side can make all the difference in securing fair compensation.
The Risks of Negotiating Alone
Insurance adjusters are trained negotiators who work for the insurance company, not for you. Their goal is to protect the company’s bottom line, which means offering the lowest possible settlement. If you don’t understand the legal process, you could end up accepting an amount far below what you actually deserve.
South Carolina law under S.C. Code § 15-38-15 states that if a claimant is partially at fault for an accident, their compensation is reduced by their percentage of fault. Without legal representation, an adjuster might manipulate this rule to reduce or deny your claim unfairly.
Why You Need a Professional Negotiator
1. Understanding the True Value of Your Claim
Insurance companies often downplay the costs of an accident. A professional can accurately calculate:
- Medical expenses (current and future)
- Lost wages and reduced earning capacity
- Pain and suffering
- Property damage
An attorney ensures all damages are accounted for before negotiating a fair settlement.
2. Protecting You from Unfair Tactics
Adjusters may use several strategies to weaken your claim, such as:
- Pressuring you into a quick settlement
- Requesting a recorded statement to twist your words
- Blaming you for the accident to reduce the payout
A professional knows these tactics and how to counter them effectively.
3. Negotiating with Legal Backing
Under S.C. Code § 38-77-140, South Carolina requires all drivers to carry liability insurance. However, insurance companies may still delay or deny claims without justification. A legal professional can cite state laws, file appeals, and take legal action if needed.
4. Handling the Legal Paperwork
Insurance claims involve extensive documentation. A mistake in your paperwork or a missed deadline could result in claim denial. A professional ensures all forms are filed correctly and on time.
5. Strengthening Your Case for a Lawsuit If Needed
If negotiations fail, your attorney can prepare your case for court. This often pushes insurance companies to offer a fair settlement rather than risk a lawsuit.
Don’t Face Insurance Adjusters Alone
Negotiating with insurance companies is never easy, especially when you’re recovering from an accident. Adjusters are not on your side, and without professional representation, you risk settling for far less than you deserve. A legal expert ensures you understand your rights, counteracts insurer tactics, and fights for the compensation you need.
If you’ve been in an accident, don’t go up against the insurance company alone. Seek professional help to protect your interests and secure the best possible outcome.