In a perfect world, car accidents wouldn’t happen, however, because all accidents cannot be prevented, it would be ideal if every driver was required to obtain automobile insurance.
Automobile insurance policies operate to cover the costs associated with damages and injuries resulting from car accidents. Ideally, the at fault party’s policy will cover the damages suffered by all those involved. Under South Carolina law, drivers are required to obtain at least minimum coverage. Drivers operating motor vehicles without insurance may face harsh fines and penalties in the event of an accident.
However, to cover accident costs, in South Carolina, all insured drivers are required to obtain uninsured motorist insurance as part of their automobile insurance policy. If you are in an accident with an uninsured motorist, even if you are not at fault, your insured motorist coverage will cover your initial expenses.