Many drivers believe that if they get into an accident with an uninsured motorist they cannot recover the damages incurred.
This is not true. South Carolina law requires drivers to carry uninsured motorist coverage at least equal to the minimum liability coverage. Here is a description of what to do if you find yourself in a wreck with an uninsured driver.
1. Seek medical attention
First and foremost after colliding with another vehicle you should seek medical attention for any injuries you sustain. Minor injuries also warrant attention as they can become severe in the days and weeks to come.
2. File a police report
If you get into a collision with a driver who tells you he or she does not have insurance, you should file a police report. Even if the damage to your vehicle seems minimal or nonexistent, protect your own interests by calling the police and filing an official report. This will also help you establish that a crash occurred with your own insurance carrier.
2. Contact your insurance carrier
Call your insurance company to inform them of the incident. Your policy should note the number of days you have to report the accident to the insurer. Do not accept fault for the incident, but rather inform the company’s representative of the time, date and location of the wreck. Since state law requires drivers to carry uninsured driver coverage, your own policy covers most damage to your vehicle.
Though wrecks with uninsured motorists can cause panic, if you carry your own car insurance, you can depend on coverage for most vehicular damage in South Carolina.