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When Does Uninsured Motorist or Underinsured Motorist Coverage Apply in South Carolina?

In South Carolina, you MUST have Uninsured Motorist (UM) Coverage by law. This type of coverage applies in an accident where the responsible driver is not insured, does not have coverage that meets state minimum liability limits, or has an insurance company who is unwilling/unable to pay. In certain situations, this type of coverage can also apply if you are injured in a hit-and-run accident.

South Carolina’s Uninsured Motorist coverage has the following minimum coverage limits: $25,000 per person for bodily injury up to $50,000 per accident and $25,000 per accident for property damage.

Uninsured Motorist coverage is automatically part of your liability insurance in South Carolina.
Underinsured Motorist (UIM) Coverage, on the other hand, is NOT mandatory, though your insurance company must present you with a meaningful offer for it when you sign up for your policy. You may be asking, “What makes an Underinsured Motorist Coverage offer meaningful?” Unfortunately there is no clear answer to this question, which leads to many court cases surrounding the issue.

Having UIM coverage on your policy might allow you to stack your coverage. This means that if you have more than one car insured under the same policy, you could have access to the combined coverage limits of all insured vehicles when one of those vehicles is involved in an accident with an uninsured/underinsured driver.

Even with both types of coverage, there are many circumstances when medical bills or damages are greater than your policy limits. It is also important to know that insurance companies may not represent your best interests. The attorneys at Stewart Law Offices do. Should you find yourself in a situation where you are not getting the coverage that you need after an accident where the at-fault driver is uninsured or underinsured, call Stewart Law Offices at 866-783-9278. We have offices in Rock Hill, Spartanburg, Columbia and by appointment in Beaufort, and our auto accident attorneys Rock Hill represent victims throughout South Carolina.

Note: This information is for informational purposes and does not constitute legal advice. You can only receive legal advice by meeting with an attorney.

SC Man Killed in Wreck Was Driving Home After Overnight Shift

For those who work odd hours, a lighter commute is often a perk of the job. However, just because those who work overnight do not have to fight traffic congestion on a daily basis does not mean that their commute is without its dangers. Whether it be someone getting behind the wheel after having too much to drink or not getting enough sleep, late at night into the wee hours of the morning is often a time when those who should not be driving feel like they can get away with it.
Unfortunately, someone who should not have been behind the wheel might have been at fault in a deadly car wreck that happened in Oconee County, South Carolina in mid-November. According to WYFF-TV, the incident took place on SC 130 at around 6:30 a.m. Leading up to the wreck, the 62-year-old crash victim was driving home after working an overnight shift at the Oconee Nuclear Station.
As the 62-year-old driver neared Seneca, another vehicle traveling in the opposite direction crossed into his lane and crashed into his car head-on, killing him.
Could the Insurance Company Use My Statement to Deny Me Benefits After a Car Wreck?
As Rock Hill injury attorney Jenna W. Garraux explains in the video below, insurance companies rarely have the best interests of car wreck victims in mind when negotiating, which can lead to those injured and their families not receiving the money they deserve when they need it most.

Stewart Law Offices, LLC – Car Wreck Lawyers

Source: http://www.wyff4.com/news/deadly-wreck-sends-coroner-to-scene/29815948

Note: This information is for informational purposes and does not constitute legal advice. You can only receive legal advice by meeting with an attorney.