Sunday, February 8, 2009

Serious Personal Injury: South Carolina Workers Comp, Disability, And Auto Accidents

When you suffer personal injury because of an auto accident, your compensation usually comes from the auto insurance company of the driver at fault, and possibly your insurance company if the other driver has insufficient or no insurance to compensate you. As with an injury at work, after a serious auto accident, if you fit the qualifications for SSDI you may still collect this as well. In fact, in many small or minor impact accidents, you may be able to handle the negotiation with the adjuster on your own and save yourself money. The same usually does not apply for serious injuries. You may face loss of income and fall behind on your bills. If you do not have adequate health insurance, you will face a mounting pile of medical bills as well, resulting in debt collection and impaired credit. Or worse, you may have limited or no access to necessary medical treatment. Knowing your options will help you get your life back on track and provide peace of mind for you and your family.
If your personal injury is work related, you may be eligible to receive Workers Compensation insurance payments. Your employer, in exchange for you not suing them because of your injury, pays your medical expenses, and may be required to pay weekly compensation benefits and compensation for permanent injury or impairment. Most employers in South Carolina are required to carry Workers Compensation insurance on their employees, with a few exceptions. It was designed as a way to reduce litigation while providing the employee with an avenue for compensation and limiting the employer's liability exposure. There are time limits to notify your employer of the injury as well as filing a claim, so consult with an attorney immediately.

Recovering from a major personal injury is difficult. With time and patience, you can regain a life that you can enjoy. It is important for you get started on the application processes for compensation and benefits as soon as possible. By taking care of the legal and monetary aspects early, you can free yourself to concentrate on getting better. As always, consult with an attorney when deciding on any legal actions. A good attorney can lead you through the lengthy SSDI application process and insure that you are receiving the correct compensation from both Workers Comp and auto insurance companies.

Most attorneys work on a contingency fee basis for most personal injury claims, which means you will not have pay anything if you do not get any compensation. One of the most important things to remember regarding an injury claim, whether it is disability, workers compensation or an accident is medical documentation. Quite often a claim is denied or underpaid because the claimant can't document their medical condition or injuries. Many times the injuries associated with a work related accident or serious automobile accident may qualify the claimant for disability benfits in addition to any other benefits. As many times the injured associated with a work related accident or serious automobile accident may qualify the claimant for disability benefits in addition to any other benefits, it is extremely important to seek legal advice.

About the Author
M. Rita Metts is an personal injury attorney in South Carolina with over 15 years of experience handling Workers Compensation, Social Security Disability, and serious Auto Accident cases. All consultations are free and there are NO COSTS UNLESS YOU WIN. Visit us at or or email at

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