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.

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