South Carolina insurers must offer Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage, though you can decline it in writing. If the at-fault driver is uninsured or underinsured, you can file a claim with your own UM/UIM policy for compensation. These claims resemble standard liability claims but target your own insurer. Our attorneys can analyze your policy, determine coverage limits, and help maximize your recovery even when the responsible party lacks insurance.