Answered on Nov 18th, 2013 at 1:06 PM
HE is responsible for his own medical expenses, but probably has a claim against which ever driver was at fault in the accident to be reimbursed for the medical expenses. If the accident was in S.C., and the police investigated the accident, he should have received an FR-10 form from the investigating officer with the names and addresses of those involved in the accident. The FR-10 also has insurance information. You son should contact the insurer for the vehicle at fault. IF you "Google" "S.C. Code of Laws", it will take you to a website that has the S.C. Code of laws online. Look up Title 38 and look for code section S.C. Code Ann. 38-77-250. This tells you how to request the policy limits so that you can know how much coverage is available. Your son should request from his insurer, or the insurer for any car owners in his household, whether there is any underinsured coverage for any cars in is household. This provides additional insurance if the at fault driver's insurance is inadequate. If there cars in his household do not have underinsured coverage, ask to see the signed waiver of underinsured coverage. In S.C. you must waive underinsured coverage in writing, or they are supposed to give you that coverage. Once you have all of the insurance information, call the insurer and tell the insurer you wish to file a claim.