It’s every driver’s worst nightmare: an accident with an uninsured or underinsured motorist. Fortunately, according to the South Carolina Department of Insurance (DOI), state law requires that insurers provide uninsured motorist (UM) coverage in order to drive legally.
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If the driver who caused your crash was uninsured, then your UM coverage will pay for your damages up to your policy limits. In South Carolina, the minimum UM coverage limit is $25,000; however, you should purchase as much UM coverage as you can afford up to your liability limits. If your medical bills and other damages exceed your policy limits, then you will have limited options for recovering full compensation.