I Do Not Want To Go Through Insurance For My Car Accident – What Are My Options?
If you have been involved in a car crash, you may think, “I do not want to go through insurance for my car accident—what are my options?”
The experienced auto accident attorneys at Whetstone Perkins & Fulda could answer your questions, including those related to insurance. We understand how intimidating insurance companies can be, and we are here to explain your rights and guide you through this process.
Handling Car Accidents Privately
Settling a car wreck claim without going through your insurance company offers several advantages. It is less complicated and more direct, and it could save you money and get you through the aftermath of the accident in less time.
Here are some situations where it might be acceptable to keep a car accident case private between you and the other driver:
- The damage to your vehicles is minor, such as small dents or scraped paint
- There appear to be no injuries
- The other driver agrees to a private settlement without involving insurance
- Your insurance company does not require filing an accident claim
It is crucial to understand that you cannot compel the other party to reach a private settlement. If they waver, they might file a claim later.
Repair Estimates Are Important
Before deciding to settle your car accident privately, get an estimate for repairs to your vehicle. Even if you believe the damage is minor, a dent or scratch could be the visible damage that hides more structural damage beneath the surface.
If the damage is more extensive than you first thought, you should reconsider settling privately. Going through insurance to cover damages in a car wreck may result in coverage of all your damages, allowing you to avoid paying out-of-pocket.
Driving Without Insurance
If the reason that you do not want to go through insurance is because you were driving without insurance, you should know the following:
- Drivers in South Carolina are required to have insurance or pay a $600 uninsured motorist fee each year
- Penalties for driving without insurance could include a fine of up to $200 or 30 days in jail
- Repeat offenses of driving without insurance could result in more severe penalties, and suspension of vehicle registration and driver’s license
Speak with a personal injury lawyer if you have been involved in an accident without insurance. Similarly, contact our legal team if you have been in a wreck and the other driver was uninsured. Do not automatically agree to settle privately because the other motorist wants to avoid penalties for being uninsured.
Talk to Us About Your Car Accident and Insurance Issues
If you are unsure whether you want to go through insurance for your auto collision, and you want to know your options, we are here for you. Before making any decisions, contact the experienced lawyers at Whetstone Perkins & Fulda.
Schedule your initial consultation, so our highly skilled legal professionals can evaluate your situation and inform you about your legal options.
