South Carolina auto accident and insurance law is intended to protect citizens against uninsured drivers. In fact, the law requires that every auto insurance policy sold in our state includes uninsured motorist (UM) coverage. Therefore, if you are injured by an uninsured driver, you may still receive compensation from the insurance company that insures either you or a family member.
In some instances we might be allowed to “stack” these uninsured policies or reform the uninsured policy to obtain greater compensation. For example, if your family owns four cars, each with a $25,000 UM policy, you may be able to stack these policies for a total coverage of $100,000.
What Damages Will an Uninsured Policy Cover in South Carolina?
While the legal explanation can be complicated, the takeaway is simple: if an uninsured driver caused your accident, you may be entitled to compensation not only for medical bills, but also for lost wages, lost earning capacity, future medical costs, mental anguish, and a number of other losses. The law is designed to put you in the position you enjoyed prior to your injury. Thus, for every loss you suffered, money damages may be sought.
Uninsured drivers are a danger on our roadways. Though your accident may have been unavoidable, you can avoid greater financial strain and hardship by filing an uninsured motorist claim with your insurance company. Likewise, additional compensation for your harms and losses may be available from a resident relative's policy, or from the policy that applied to the vehicle in which you were riding when the crash happened.
Injury Attorneys Can Help Ease the Confusion After an Accident
Navigating an uninsured motorist claim in South Carolina can be difficult on your own. If you have questions about which insurance companies you should be contacting, which forms you should sign, or how much compensation you should receive for your injuries, call my Columbia personal injury firm today for a free case evaluation at 803-790-2800.