South Carolina law requires motorists to carry liability and uninsured motorist (UM) coverage. If you suffer injuries in a collision caused by an uninsured driver or get hurt in a hit-and-run accident, you can turn to your uninsured motorist coverage for help covering your expenses.
By contrast, underinsured motorist (UIM) coverage is optional. This coverage helps pay for your expenses when an at-fault driver does not have sufficient coverage to pay for your medical expenses and other losses. South Carolina insurers must offer you underinsured motorist coverage, but you are not required to purchase it.
A personal injury lawsuit may be another viable option for recovering compensation from an uninsured or underinsured motorist. After investigating your case, an uninsured car accident lawyer can identify all potential sources of compensation for you.
