Curtis Dayson | February 26, 2025 | Car Accidents
Car accidents are stressful enough without the added complication of discovering the at-fault driver has no insurance or lacks sufficient coverage. Unfortunately, this is a reality that many South Carolina drivers face. While state law requires all motorists to carry liability insurance, some drivers either ignore this requirement or have only the bare minimum, leaving you vulnerable in the event of an accident. Knowing your options is critical to ensuring you receive the compensation you need to recover fully.
Understanding South Carolina’s Insurance Requirements
South Carolina law mandates that all drivers carry **liability insurance** to cover damages if they cause an accident. The minimum coverage required by law is:
– $25,000 for bodily injury per person
– $50,000 for total bodily injury per accident
– $25,000 for property damage
Additionally, uninsured motorist (UM) coverage is required in South Carolina, which protects if a driver without insurance hits you. However, underinsured motorist (UIM) coverage is optional and helps when the at-fault driver’s insurance is insufficient to cover your damages.
Steps to Take After an Accident with an Uninsured or Underinsured Driver
If you’re hit by an uninsured or underinsured driver in South Carolina, follow these crucial steps to protect your rights and maximize your chances of recovering compensation:
1. Call the Police Immediately
Always report the accident to law enforcement, even if the other driver suggests handling it privately. A police report is essential for documenting fault and will be necessary for your insurance claim.
2. Gather Evidence at the Scene
Take photos of the vehicles, license plates, accident location, and any visible injuries. Collect contact information from witnesses who can help verify what happened.
3. Seek Medical Attention
Even if you feel fine, it’s essential to get checked by a medical professional. Some injuries take time to manifest, and medical records are crucial for your claim.
4. Notify Your Insurance Company
Inform your insurance provider about the accident as soon as possible. If the other driver is uninsured, your uninsured motorist (UM) coverage should help cover your damages. If they are underinsured, UIM coverage may provide additional compensation.
5. Consult a Personal Injury Attorney
Dealing with insurance companies can be complicated, especially when an uninsured or underinsured driver is involved. Experienced legal representation ensures your claim is handled correctly and you receive the compensation you deserve.
How Uninsured and Underinsured Motorist Coverage Works
Uninsured Motorist (UM) Coverage:
If the at-fault driver has no insurance, your UM policy will cover medical expenses, lost wages, and pain and suffering up to your policy’s limits.
Underinsured Motorist (UIM) Coverage:
If the at-fault driver’s liability limits are too low to cover your full damages, UIM coverage can help bridge the gap.
Many accident victims are unaware of how UM and UIM claims work or that they may be entitled to more compensation than they initially believe. Our firm helps clients navigate these claims to ensure insurance companies don’t undervalue or deny rightful compensation.
Why Legal Representation Matters
Insurance companies often attempt to minimize payouts, even when dealing with their policyholders. Without skilled legal representation, you may receive less than you deserve. Our firm fights aggressively to:
– Investigate the accident and gather evidence to establish fault.
– Ensure the insurance company handles your claim fairly and doesn’t attempt to lowball your settlement.
– Pursue additional compensation if another liable party exists, such as a negligent third party or vehicle manufacturer.
– Litigate if necessary, ensuring you receive the best possible outcome.
Don’t Settle for Less – Get the Compensation You Deserve
If you’ve been hit by an uninsured or underinsured driver inCharleston, Columbia, or anywhere in South Carolina, you don’t have to navigate the process alone. Our legal team at Dayson, Shalabi, Burkett Law Firm, LLC is here to help you recover the compensation you need to move forward.
Contact us today for a free consultation, and let us fight for you.