Will filing an uninsured motorist claim after a hit-and-run raise my insurance rates?

South Carolina law prohibits insurers from raising premiums or canceling coverage solely because a policyholder filed an uninsured motorist claim for a crash that was not their fault. However, the specific terms of your policy and your insurer’s practices are worth discussing with an attorney before filing. The general protection against rate increases for not-at-fault claims exists under state law.