Unfortunately, boater liability insurance isn’t required in South Carolina (although it’s highly recommended), so you may find that the person who caused your accident isn’t insured. Naturally, this is very upsetting, and we’ve received more than a few calls from people wondering if they have any recourse.
Fortunately, there are other options in most cases. In some situations, the boater’s homeowner’s insurance may cover the accident, but not always. We will thoroughly look for any applicable insurance policy, but if none exists, we’re prepared to help you sue the boat’s owner directly for damages.
Your lawyer will also work with an investigative team to uncover as much evidence as possible in your case. Investigators will talk with witnesses, go over any photos or video of the crash or the scene, review what safety precautions were taken, and work to understand exactly how your injuries occurred. In many cases where the responsible party was insured, but the claim was denied, we’re able to find additional evidence that convinces the insurance company to reconsider the claim. If not, or there is no relevant insurance policy, we will fight for you in court or mediation. Our goal is to help to secure a settlement that will allow you to pay your medical and other bills and move on with your life.