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. “
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