A Split-Second Accident Changed Everything
BUT SMART INSURANCE STRATEGY SAVED THE DAY
When 24-year-old Austin returned home from serving as a Marine Corps military policeman in Japan, he was ready to start a new chapter: studying nursing at USC-Upstate. But everything changed on July 12, 2022. That afternoon, while riding his motorcycle through a green light on Highway 296, a driver turned left in front of him without yielding. “She just kept coming,” Austin later said. He had no way to avoid the crash. The impact sent Austin flying 20 yards. The collision left him with devastating injuries: a shattered leg, a broken hip, a fractured vertebra, and the traumatic amputation of his big toe. He was hospitalized for a week and spent nearly two more weeks in rehab. With growing medical bills and a life-altering injury, Austin and his mother realized they needed legal help. A former client referred him to our firm, and after meeting with us in the hospital, Austin chose to move forward. We immediately got to work and started collecting evidence, reviewing medical records, and understanding how these injuries would impact Austin’s future. But the biggest challenge was insurance coverage. South Carolina only requires drivers to carry a minimum of $25,000 in liability coverage, an amount that barely touches the costs in serious injury cases.
Fortunately, the at-fault driver carried a $100,000 policy. Even better, we discovered two additional underinsured motorist (UIM) policies Austin didn’t know about. He had a $25,000 UIM policy on his motorcycle, and because he lived with his grandmother, we could tap into her $25,000 UIM coverage, too. That brought his total available settlement to $150,000. We also helped Austin navigate the complex issue of medical lien repayment. Since his health insurance had already reduced the bills, we negotiated the remaining lien down significantly, allowing him to keep more of his settlement. One Important Lesson for All South Carolina Drivers: Don’t wait until after an accident to discover you’re underinsured — UIM coverage can be a lifesaver. Review your auto policy today and ask your agent about increasing your liability and underinsurance limits. You might be surprised how affordable it is. That one step can make all the difference when life takes an unexpected turn
*Past outcomes don’t guarantee future results. Every case is different, and all cases depend on unique facts and laws.
Turkey and Hummus Collard Wraps With Coconut Curry Sauce
Good News
Ingredients
Sauce: •
Wraps: • 4 large collard green leaves • 1/2 cup hummus, divided • 3/4 lb sliced turkey • 1/2 carrots, grated • 1/4 bell pepper, sliced thinly • 1 zucchini, sliced thinly • 1/2 avocado, sliced • 1/4 cup cabbage, thinly sliced
1/2 cup organic full-fat coconut milk
“Jesus said, ‘Ask and it will be given to you.’” –Matthew 7:7 “Be on your guard; stand firm in the faith; be courageous; be strong. Do everything in love.” –1 Corinthians 16:13-14
• 1/4 cup almond butter • 2 tsp red curry paste •
3 tsp low-sodium soy sauce
• 1 tsp honey • Pinch of salt
Directions 1. Mix all sauce ingredients until smooth. 2. Prepare collard leaves by cutting the stems off and trimming the thick vein that runs down the center of the leaf so that it lies flat. 3. Blanch collard leaves by dipping them into hot water, then immediately into cold water. 4. Dry leaves and lay flat, spreading 1–2 tbsp of hummus onto the center of each. 5. Add several turkey slices and sliced veggies. 6. Fold the right and left leaf sides in toward each other. Roll the collard leaf tight and tuck in the edges. Secure with two toothpicks, slice down the center, and serve with sauce for dipping.
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