A car accident becomes even more challenging when the other driver lacks insurance. Fortunately, South Carolina law requires uninsured motorist coverage on all auto insurance policies. This coverage helps protect you if another driver injures you or damages your property without insurance.
What Uninsured Motorist Coverage Includes
Uninsured motorist (UM) coverage compensates you when an at-fault driver lacks liability insurance. South Carolina law mandates UM coverage, which must meet or exceed the minimum liability limits required by the state. UM typically covers medical expenses, lost wages, and damages like pain and suffering. In some cases, your policy may also cover property damage.
How It Protects You After a Crash
If an uninsured driver injures you, you can file a UM claim with your insurance company. The process mirrors filing a standard liability claim, but your insurer steps in to cover your losses. UM coverage also applies if a hit-and-run driver causes your injuries, as long as you can prove physical contact between the vehicles. This ensures you don’t face financial hardship if the at-fault driver leaves the scene.
What Underinsured Motorist Coverage Adds
South Carolina also allows drivers to purchase underinsured motorist (UIM) coverage. This optional coverage applies when the at-fault driver carries insurance, but their policy limits don’t fully cover your damages. If your UIM limits are higher than the other driver’s liability coverage, your insurer may pay the difference. UIM can protect you if the at-fault driver’s insurance falls short, especially in cases involving severe injuries or property damage.
South Carolina law requires UM coverage, so you have some protection in place. However, the minimum limits may not provide enough coverage if you face a serious accident. That’s why reviewing your UM coverage and considering UIM coverage is a smart decision. You must purchase this protection before an accident occurs. You can’t add it afterward.
