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In this segment of North of the Broad, founding attorney Brent Stewart of Stewart Law Offices explains the differences between personal injury claims, workers’ compensation cases, and insurance coverages that protect your family.
⚖️ Personal Injury vs Workers’ Comp
Personal Injury Cases (like car accidents or slip-and-falls) require negligence. Victims may recover for medical bills, lost wages, pain and suffering, and sometimes punitive damages.
Workers’ Comp Cases do not require fault. Employees injured on the job may claim lost wages and medical bills, but pain and suffering is not recoverable.
⚖️ “Full Coverage” Insurance Explained
Many drivers believe they have “full coverage,” but in North and South Carolina, it only means:
South Carolina: $25,000 per person / $50,000 per accident (bodily injury), $25,000 property damage
North Carolina: $30,000 per person / $60,000 per accident (bodily injury), $30,000 property damage
These limits protect the other driver if you’re at fault — they don’t pay for your injuries.
⚖️ Umbrella & Excess Coverage
Umbrella policies add extra protection beyond standard auto or homeowners policies, stepping in during catastrophic events. Brent explains why this is critical for families with assets, and why you must arrange it before an accident, not after.
⚖️ MedPay & PIP Coverage
Optional coverages like MedPay (Medical Payments) and PIP (Personal Injury Protection) help pay medical bills and sometimes lost wages, even if you’re at fault.
💡 Brent closes by stressing the importance of reviewing insurance coverage proactively, not after a crash or injury — and why he wants to educate not just clients, but also his own children before they hit the road.
👉 Learn more about how we can help in your state:
https://www.stewartlawoffices.net/north-carolina-personal-injury-lawyer/
https://www.stewartlawoffices.net/south-carolina-personal-injury-lawyer/
Our Office Locations
Rock Hill: 1242 Ebenezer Rd, Rock Hill, SC 29732
Spartanburg: 409 S Pine St., Spartanburg, SC 29302
Beaufort: 205 Ribaut Road, Suite A, Beaufort, SC 29902
Columbia: 10 Calendar Ct., Suite 100, Columbia, SC 29206
Lexington: 203-D West Main Street, Lexington, SC 29072
Charlotte: 2427 Tuckaseegee Rd, Suite A, Charlotte, NC
⚖️ Disclaimer:
This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. The listed results are before the deduction of fees and costs. Case results vary. Prior results do not guarantee any future outcomes. After recovery is made, attorney fees will be computed before the deduction of incurred expenses. Personal attorney results are achieved while practicing law, not necessarily while at the current law firm.