In South Carolina, having a wide range of car insurance is not just a good idea, it is mandatory under the law. When it comes to uninsured motorist coverage, the state has specific requirements that drivers must adhere to.
Understanding uninsured motorist coverage and the requirements around it will help you know what to expect after a car accident.
Understanding uninsured motorist coverage
Uninsured motorist coverage is a component of car insurance that protects you if you have an accident with a driver who lacks insurance. It can also come into play if you are on the receiving end of a hit-and-run accident.
South Carolina insurance requirements
South Carolina automobile insurance law requires all drivers in the state to carry liability and uninsured motorist coverage. Liability insurance covers damages and injuries you cause to others in an accident where you are at fault. Coupled with uninsured motorist coverage, the legally required insurance in South Carolina covers drivers in almost every type of accident scenario.
Considering the risks
Choosing not to carry uninsured motorist coverage in South Carolina is not only illegal but it also means that you might face serious financial hardship if an uninsured driver causes an accident. Without the right kind of insurance on your own policy, getting compensation from an uninsured driver may require filing a costly lawsuit. Keep in mind that a driver who cannot afford the minimum amount of insurance might also be unable to pay out your settlement even if you win a case against them in court.
Uninsured motorist coverage is a legal requirement in South Carolina and a wise investment to consider. It provides crucial protection in the event of an automobile accident with an uninsured or underinsured driver.
