At-Fault Drivers – No Insurance!
Car wrecks are already bad but when the at-fault driver does not have auto insurance, this complicates matters. Whether you were seriously injured in the wreck, your car was significantly damaged, or both; auto insurance protects the driver of the vehicle, its passengers, and any damages to the auto. So, who covers the cost of the damages?
File a Claim With Your Own Insurance
Auto insurance is one of the most used types of personal insurance. South Carolina law requires that you purchase liability and uninsured motorist coverage to drive legally in the state.
One option for collecting damages against an uninsured or hit-and-run driver is to file an insurance claim with your own insurance company. It’s called an UM claim or uninsured motorist claim.
Uninsured motorist coverage protects the policyholder. This coverage pays if you are injured and/or your property is damaged by a hit-and-run driver or an uninsured driver. South Carolina law requires you to carry uninsured motorist coverage equal to the minimum amount of liability coverage (25/50/25). There is typically a $200 deductible.