The Other Driver Isn’t Insured, Now What?

South Carolina law requires motorists to carry uninsured motorist (UM) coverage with the same limits as the required liability coverage: $25,000 bodily injury liability coverage per person, $50,000 per accident, and $25,000 property damage liability. Not only does UM coverage protect you if you have an accident with an uninsured motorist, but it also comes into play in hit-and-run accidents. South Carolina does not require underinsured motorist coverage, but insurance agents are required to offer it to you. If a driver doesn’t have adequate limits to cover damages, your underinsured motorist policy will kick in to cover the difference.