Why I Reviewed My South Carolina Car Insurance Policy and Why You Should Too.

Attorney William H. Alexander recently aired a YouTube Video Titled, below is a transcript of the video with a few minor edits, please disregard any typos or grammatical errors as this is a transcript of a recorded video:

“Why I reviewed my car insurance policy and why you should too. I’m Wil Alexander an injury attorney and I want to tell you a story about myself. When I first started practicing injury law, I didn’t realize a lot about my own personal car insurance. So what I quickly realized was there’s these different coverages out there that people really don’t know about.

Most people think, oh, I’ll get car insurance when I get my license, I have to have it, it’s state law, I have to have car insurance in case I hit someone else so they can recover from the accident for property damage or for potentially an injury claim and I am protected. But what I didn’t realize was that I had the opportunity to purchase what’s called Underinsured Motorist Coverage, a coverage that could protect me if someone hit me and did not have enough car insurance.

There are several different coverages out there that you can talk with your insurance agent about this car insurance that can protect you if someone else hits you: there’s MedPay Coverage, there is underinsured motorist coverage, there’s uninsured motorist coverage (which you have to have in South Carolina) but specifically this Underinsured Coverage I really didn’t know about.

And what that does is, let’s say that I’m driving down the road and someone hits me that has minimum state limits. So in South Carolina, that’s a 25/50 policy. So that means that I can only recover $25,000 from the at-fault person. But if I have this Underinsured Motorist Coverage, I could collect off of my own insurance to take back what was taken from me and to pay my medical bills, pay for lost wages, and other damages that I had because someone hit me in a wreck. So it’s something that you really should think about. Most people, again, I think only think about getting car insurance to protect them if they hit someone else (liability insurance).

But there are these different coverages out there that can protect you, your own insurance that can protect you and your family if someone hits you when you’re driving down the road and they don’t have adequate insurance (either they don’t have insurance or they do not have enough insurance).

So I’d really encourage you to reach out to me if you’d like for me to review your policy. I’d love to do that. Let you know what coverages you have. Your insurance agent definitely talk with them and understand what these different coverages are because importantly, if you don’t have that coverage and you get in a wreck, you can’t then go get it. It’s either you have it or you don’t. So it’s something you need to think about to protect yourself, to protect your family, and something a lot of people I think really overlook and don’t understand. And even I really did not understand it until I got into the personal injury law practice. So, I really encourage you to look into that.

If you have any questions, feel free to shoot me an email, text our number (803) 571–0039 any way you can reach out to me. I’d be glad to answer any questions that you have.”

— Attorney William H. Alexander via Law Office of William H. Alexander, LLC YouTube Channel.