Injuries sustained in car accidents can range from very mild to catastrophic. Injuries that require extensive medical intervention and recovery time can be quite costly.
If the driver who caused your accident does not have insurance, you could end up financially responsible for all of your medical bills.
Is uninsured motorist coverage part of auto insurance or separate?
Uninsured motorist coverage is available as part of an auto insurance policy. If you get into an accident with an uninsured driver or you are a victim of a hit-and-run, your uninsured motorist policy will cover you.
How does an uninsured motorist policy help?
Your injuries, your passengers’ injuries and possibly the property damage to your car are all covered by your uninsured motorist policy. In addition to medical bills, uninsured motorist coverage can also cover lost wages as you recover, compensation for pain and suffering and even funeral expenses.
Is uninsured motorist coverage required?
In South Carolina, all drivers are legally required to have uninsured motorist coverage as part of their auto insurance policy to drive in the state.
What if the driver does not have enough insurance?
If the driver who was at fault for your accident does have auto insurance, but not enough to cover your needs, that is where underinsured motorist coverage comes in. Underinsured motorist coverage is not required in the state of South Carolina, but auto insurers must offer it to you.
While it may seem confusing, the important thing to remember is that if you have uninsured motorist coverage, you can recover damages to help pay for your injuries even if the at-fault driver did not have insurance.