As car accident lawyers, Stewart Law Offices strongly recommends that you purchase as much auto insurance as you can afford. This includes underinsured motorist coverage.
Here’s the truth. Buying the minimum amount of car insurance is often not enough to cover the costs of a serious accident. Today’s medical expenses are astronomical. The average cost of an emergency room visit alone is over $1,300*. The lifetime costs of some of the most catastrophic injuries can easily reach millions.
In addition, each state sets its own minimum car insurance limits — some much lower than South Carolina’s. If you’re hit by an out-of-state driver with a smaller insurance policy, your ability to recover compensation for all of your medical bills, lost income, and pain and suffering could be significantly limited. With UIM on your own policy, you will be able to make up the difference for whatever is not paid by the other driver’s insurer up to the policy’s limits. It’s added protection.