Most drivers assume that if they’re hit by someone with insurance, their expenses will be covered. Unfortunately, that’s not always true.
South Carolina requires drivers to carry minimum liability coverage of just $25,000 per person and $50,000 per accident for bodily injury. In a serious crash, those limits can be exhausted quickly. A hospital stay, surgery, or ongoing treatment can easily exceed those amounts—leaving you responsible for the remaining costs.
That’s where underinsured motorist (UIM) coverage becomes critical.
UIM coverage is an optional part of your auto insurance policy that helps pay for damages when the at-fault driver’s insurance isn’t enough. For example, if your damages total $100,000 and the at-fault driver only has $25,000 in coverage, UIM can help cover the gap (up to your policy limits).
Without it, you may be left with limited options for recovering the full value of your claim.
At Burnside Law Firm, we often meet clients who are surprised to learn that although the other driver had insurance, it wasn’t nearly enough. Just as concerning, many people unknowingly decline UIM coverage when purchasing or renewing their policy.
In South Carolina, insurance companies are required to offer UIM coverage—but they can include a rejection form. If you sign that rejection, you are giving up this important protection.
We strongly encourage drivers to think carefully before signing any form that waives UIM coverage. What may seem like a small savings on your premium can result in significant financial risk after an accident.
The good news is that UIM coverage is typically affordable and provides valuable peace of mind. It can help cover medical expenses, lost wages, and other damages that would otherwise come out of your own pocket.
Review your policy regularly and make sure you understand what coverage you have—and what you may be missing.
If you’ve been injured in an accident or have questions about your insurance coverage, Burnside Law Firm is here to help protect you and your family.
