Hit by an Uninsured Driver in SC? Here’s How UM Coverage Protects You

Video Transcript

If you’re wondering what happens when an uninsured driver causes a car accident, here’s the key. In South Carolina, your own car insurance usually includes uninsured motorist coverage, often called UM coverage. UM coverage exists to protect you when the at-fault driver doesn’t have insurance or doesn’t have enough resources to pay for the harm they caused. In many cases, it can help cover the same categories of damages you pursue in a normal claim — medical bills, lost wages, pain and suffering — up to the limits of your policy. The important point is that a UM claim still needs to be handled carefully. Even though it’s your coverage, it’s still an insurance company evaluating the claim, and the goal is still to pay as little as they can justify. That’s why it helps to speak with a lawyer early, so coverage is identified, evidence is preserved, and the claim is presented the right way under South Carolina law.