A 28-year-old South Carolina man, James Smith, sustained a back and shoulder injury in a 2012 crash on I-26. The accident was caused by Joseph Giordano rear-ending a vehicle behind Smith’s and pushing that vehicle into Smith’s, according to the lawsuit Smith filed. Smith’s injuries from the crash caused Smith to abandon his planned career in the military and instead obtain a medical discharge from the U.S. Army, according his suit.
As Giordano had only $25,000 in insurance, Smith made a claim for underinsured motorist’s coverage benefits under his own policy with GEICO. When he was unable to resolve his claim, the case proceeded to a jury trial.
Under South Carolina law, Smith was not allowed to directly sue his insurance company. Instead, Smith had to sue Giordano, the person alleged to have caused the accident. GEICO then stepped into the shoes of the allegedly-negligent, underinsured driver. The jury is never informed that an insurance company—the plaintiff’s own insurance company—will actually pay any award. After finding that Giordano had been driving recklessly, the jury also awarded $538,500 for punitive damages.
Uninsured/underinsured motorist coverage provides for a driver to receive damages from her own insurance company if she recovers against a negligent driver that does not have any (uninsured) or enough (underinsured) auto liability insurance to cover the damages suffered. The insurance company typically pays the difference between what the uninsured driver can pay and the full amount of damages the injured driver has suffered (up to the limits of the policy).
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If an insurance company has treated you unfairly, you need an attorney experienced at fighting the insurance industry. The insurance company has legions of lawyers to look after its interests, and it only makes sense that you have a qualified, knowledgeable lawyer looking after your own interests.
Heygood, Orr & Pearson stands up for individuals and companies who find themselves having to deal with an insurance company that refuses to treat them fairly and reasonably. You have done your part; you paid the policy premiums.
When an insurance company does not honor its policy and treat its customer appropriately, the lawyers at Heygood, Orr & Pearson are willing to take on the fight, expose the wrongful actions of the insurance company and make the company pay for improper and illegal conduct.
Our firm has the financial resources to handle even the most complex insurance lawsuits, include bad faith insurance cases, from start to finish. When necessary, we have invested hundreds of thousands of dollars in a case in order to be able to properly take it all the way to trial.
We have seen insurance companies refuse to conduct a reasonable investigation into a claim for insurance benefits and fail to consider and process claims in a timely manner. An insurance investigation should be fair and seek to “find the truth” and not be designed to simply find a way to deny a legitimate claim.
At Heygood, Orr & Pearson, we hold insurance companies to the highest standards and require them to live up their obligations. When it comes time to pay an insurance claim, insurance companies must treat their customers fairly and honestly and comply with the terms of the insurance policy.
If you or your company has been a victim of an insurance company’s wrongful denial of legitimate claims for insurance benefits, Heygood, Orr & Pearson has the resources, experience and knowledge to protect you. Contact us today.