South Carolina law requires all car owners to carry insurance coverage. This coverage is there to reimburse the driver in case of damages or injuries caused by an uninsured driver. If you happen to be at fault for an accident and do not have insurance coverage, you might end up paying the bill yourself.

This coverage typically covers damage to your car or injuries that result from an accident. However, you should note the limits of coverage before purchasing it. In this blog, we discuss the Underinsured motorist coverage South Carolina under car insurance policies and how it works. We round off with tips on what you can do if your car insurance does not cover damages or injuries and what options you have.

Types of uninsured motorist coverage

Underinsured motorist coverage provides insurance coverage when you are hit by an uninsured driver. This coverage can help cover medical expenses, lost wages, and funeral expenses if you have been hurt due to the negligent or unintentional driving of an uninsured motorist. To be eligible for underinsured motorist coverage, you must have full coverage on your car insurance policy. Moreover, the liability limits of your car insurance policy must be higher than the liability limits provided under the liability insurance offered by the at-fault driver.

Underinsured motorist coverage is usually available as part of a car insurance policy. However, it can also be purchased as a standalone product. In order to be covered under this type of coverage, you must have been hit by an uninsured driver. Also, underinsured motorist coverage can’t apply to bodily injuries caused by auto accidents or injuries that are deemed accidental under the law.

What is uninsured motorist coverage?

-Underinsured motorist coverage extends the coverage of liability insurance to drivers who have lower-than-required financial liability.

– It helps pay for damages if you are involved in a car accident with an uninsured driver.

– Uninsured motorist coverage is meant to provide insurance coverage for losses that are not covered by other types of insurance, such as car accidents and medical expenses.

– Make sure to read your policy carefully to understand all of the coverage that is offered.

– If you find yourself involved in an accident with an uninsured driver, make sure to contact your insurance company as soon as possible.

– Also consider getting additional coverage through the vehicle’s insurance policy or from another source, such as a car insurance policy or liability insurance on your car.

How does uninsured motorist coverage work?

Uninsured motorist coverage provides financial relief for car accident victims who have no insurance coverage. It pays for damages to your car, regardless of fault, and covers expenses such as medical bills and lost wages. To be eligible for coverage under a UM policy, you must have a valid driver’s license and car insurance.

– You must file a claim within three years of the accident. –

– The coverage will also pay for damage to other property, including uninsured motorist’s liability.

– But make sure that the policy includes liability coverage of at least $100,000.

– Also note that uninsured motorist coverage doesn’t cover injuries caused by dangerous driving or criminal acts.

– Finally, ensure that the policy limits liability per incident to the highest value under any insurance coverage you may have at the time of the accident.

Limits and exclusions of uninsured motorist coverage

Uninsured motorist coverage is a type of insurance coverage that covers the liability for injuries and property damage caused by another driver who does not have insurance. When you purchase uninsured motorist coverage, your car insurance policy will include a liability coverage amount. This liability coverage amount represents the amount of money the insurance company would pay in case you were to file a claim against it for damages related to an accident.

Underinsured motorist coverage provides additional liability coverage up to the liability coverage amount. This additional liability coverage ensures that you are financially protected in the event of a car accident caused by someone without insurance or with under-insured motor vehicle liability coverage. Underinsured motorist coverage can cover damages up to the liability coverage amount if you car insurance policy has underinsured motor vehicle liability coverage or bodily-in-fault driver liability coverage.

The insurance policy will not cover any of the above damages except under certain circumstances, such as driving under the influence of alcohol, drugs, or other substances, or driving without a license or registration. The policy also will not cover damages from driving with a suspended or revoked license. Additionally, policies typically do not cover damages from driving a commercial vehicle without proper insurance.

When is uninsured motorist coverage in effect?

Uninsured motorist coverage is typically in effect when you are involved in a car accident with an uninsured driver. This coverage applies to both you and your passengers, and will cover medical expenses, property damage, and loss of income.

You must have proof of the accident in order to file a claim under this coverage, such as car insurance documents or police reports. The coverage limit is $200,000 per person, per accident. In other words, it covers at least $200,000 worth of damages if you are at fault for the accident.

How to purchase uninsured motorist coverage?

– The process of purchasing uninsured motorist coverage is simple and easy to follow.

– You can purchase uninsured motorist coverage online, through the use of an insurance agent, or at a car insurance policy’s official website.

– You can also purchase uninsured motorist coverage through the use of a car insurance policy.

– There are a variety of insurance policies that offer uninsured motorist coverage, including liability policies, bodily injury liability policies, collision coverage policies, and medical payments policies.

– Depending on your needs, you can choose the type of coverage that best suits your needs and budget.

– It’s important to note that uninsured motorist coverage does not cover property damage or medical expenses for anyone involved in a car accident.

What should you do if you get into a car accident while not covered by insurance?

– If you are not covered by insurance, contact your insurance company as soon as possible.

– File a police report if there was any injury or damage done in the accident.

– File a claim with your auto insurance company.

– Request medical expenses and lost wages from your insurance company.

– Seek legal advice if you have any questions about your case or rights under the law.

As you can see, there are multiple steps that you should take if you are involved in a car accident without insurance coverage. Make sure to follow all of the necessary steps so that you can receive the compensation you deserve for any injuries or property damage that occurred during the accident.

Conclusion

It should be clear by now that uninsured motorist coverage is a necessity for car accident victims. It protects you from financial loss if the at-fault driver does not have insurance or has insufficient coverage to cover your injuries and damages. However, it is equally important for car accident victims to understand the limits of uninsured motorist coverage. This will help ensure that you get maximum benefits under the law. To learn more about uninsured motorist coverage, we have created an ebook on the subject.