Motor Vehicle Accidents

Uninsured Motorist Accidents
in South Carolina

Uninsured Motorist Accidents

Did you know that in South Carolina one out of every thirteen people on our roads is driving without insurance? Those who do have insurance are only required to carry $25,000 of liability coverage. This means if you are in a car accident by no fault of your own, the at-fault driver’s insurance may only cover $25,000 of your losses. Therefore, it’s important for you to know all your insurance coverage options to make sure you are well-covered in the unfortunate event of an accident.

Uninsured Motorist Accidents: Blue car with blue umbrella, with text “Auto Insurance”

What vehicle insurance is required in South Carolina?

According to the South Carolina Department of Insurance (DOI), “Drivers are required to carry liability and uninsured motorist coverage with the following limits:  $25,000 Bodily Injury Per Person / $50,000 Bodily Injury Per Accident / $25,000 Property Damage Per Accident.”(

Underinsurance is not required in South Carolina; however, insurance companies are required to offer underinsurance for you to purchase.

Uninsured Motorist Accident Insurance versus Underinsured Motorist Accident Insurance?

Uninsured motorist insurance covers your losses when the at-fault party has no insurance or leaves the scene without providing you with any information.

Underinsured motorist insurance covers your losses when the at-fault party has insurance, but not enough to cover all of your damages.

“The at-fault driver’s insurance will typically pay for all damages up to his or her auto insurance policy limits, then your underinsured motorist coverage may cover the excess amount up to the limits you select.”(

Dangers of Driving Uninsured

Video Transcript:

We have a big problem in South Carolina. That problem is that you only have to have $25,000 in insurance if you’re at fault and hit someone. On top of that, about 8% of people driving around South Carolina have no insurance at all! It may not seem like a lot, but that’s one out of every thirteen people on the roads that are driving around with no insurance at all!

So, what happens when, say a DUI driver has no insurance and crashes into you? Well, your $25,000 underinsurance should kick in. But, if you’re laid up in the hospital, that may not even touch your medical bills. So, what can you do about it? You can buy more uninsurance and also underinsurance for times like these when a DUI driver is driving without insurance or doesn’t have enough to cover your medical bills. It costs extra to add it to your policy but can be a lifesaver if you’re faced with hundreds of thousands of dollars in unpaid medical bills.

Some say, “Why?” We say, “Why not?”


If you have suffered a collision in South Carolina, the legal team at The Law Offices of David L. Hood will help you navigate the situation professionally. We have years of experience in helping people involved in serious accidents figure out the legal requirements and details needed to move forward after an accident. After gathering all the necessary information, we will pour our efforts into building your case to get a fair settlement or take it to court if the need arises.

Our entire team has years of experience representing various clients and car accident victims in South Carolina. Having a passion to help, we offer a free initial consultation where we provide candid legal advice on what options you may have. If you choose to work with us, we promise a contingent-fee based case, where you don’t pay unless we get a recovery in your case.

You can find our contact information on the page here and schedule your free consultation session.

For more information on how we can help with motor vehicle accidents, please click here.