Being involved in a car accident with an uninsured driver can be a stressful and overwhelming experience. South Carolina ranks 28th out of 50 states for the percentage of uninsured motorists, with 10.9 percent. It's essential to contact your insurance company as soon as you learn that the other driver was uninsured, as South Carolina laws require all drivers to have UIM coverage. Your own insurance coverage may include coverage for uninsured motorists, and purchasing coverage for underinsured motorists is optional in South Carolina. If you don't have insurance, you can still file a claim against the at-fault driver, but you'll most likely face state penalties for breaking insurance laws.
Some involve choosing certain types of car insurance to protect you in case you are involved in an accident with a driver who doesn't have car insurance. In a claim against an underinsured driver, you can only claim the difference between the threshold of your main policy and the policy for underinsured drivers. When something like this happens when you have a car accident with an uninsured motorist, your own insurance company will provide financial help through its coverage for uninsured motorists. The process of filing a claim after a hit and run or an accident with an at-fault driver without insurance can be confusing and overwhelming. If you or someone you know was injured in a car accident with an uninsured or underinsured motorist, you may still be able to collect compensation. In any case where you file a claim against an uninsured or underinsured driver, or if you have an uninsured accident or have a low liability threshold, it is wise to contact an experienced attorney who specializes in car accidents.
Most likely, the driver doesn't have insurance because they can't afford it and therefore won't be able to pay you. It's important to take the necessary steps to ensure that you receive the compensation that you deserve after being involved in a car accident with an uninsured driver. Your own insurance coverage may include coverage for uninsured motorists, and purchasing coverage for underinsured motorists is optional in South Carolina. If you don't have insurance, you can still file a claim against the at-fault driver, but it's wise to contact an attorney who specializes in car accidents.