Every day, uninsured drivers in South Carolina cause accidents and injure innocent people. Fortunately, if you have insurance on your car, you will also have what is known as "Uninsured Motorist Coverage." The law recognizes that you cannot always protect yourself from uninsured drivers, so as a benefit of insuring your own car, you are provided at least $25,000.00 in uninsured coverage. In fact, you can purchase Uninsured Motorist Coverage to match the limits of your "Liability" policy. For example, if you have $250,000.00 in Liability Coverage to protect strangers that you might get in a wreck with, you can purchase up to $250,000.00 in Uninsured Coverage to protect yourself and your passengers. The same goes for "Underinsured Motorist Coverage."
Therefore, even if someone is driving without insurance and harms you in South Carolina, you can still recover insurance funds to compensate you for damages such as medical bills, lost wages, and physical pain. You simply contact your insurance company, report the accident, set up a claim, and discuss the case with your insurer since the at-fault driver does not have one.
However, you should never let a deceitful or callous insurance representative add insult to injury. If an uninsured driver caused a crash, and you want to make sure your rights are protected, call me today at (803) 790-2800.