What happens if I hit a construction worker with my car in South Carolina?

Would their medical coverage go through my insurance? Or would workers' comp cover it?

“If the construction worker is provided with workers’ compensation through their employer or union, the claim would go directly through them since the accident happened on the job. Once that claim is settled, their insurance would most likely pursue you or your car insurance company to recover any of those costs.
If the construction worker wasn’t on the job or did not have workers’ compensation, their medical bills would go through your insurance. This would be covered under your bodily injury liability.
Should their medical bills exceed your limits, you’d be required to pay out of pocket for the remainder unless your insurance can settle directly with the victim.
If they can’t settle, the victim could also choose to file a lawsuit against you for any damages. “
Emily Maracle
Answered on May 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free