Uninsured Motorist Coverage — South Carolina
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when another driver causes an accident and either has no insurance or lacks enough coverage to pay for your injuries and damage. It covers your medical expenses, lost wages, pain and suffering, and in some cases vehicle repair costs when the at-fault driver cannot pay. South Carolina law requires insurers to offer this coverage at the same limits as your liability policy, and you must sign a rejection form if you want to decline it. For suspended drivers working toward reinstatement, maintaining UM coverage during suspension can prevent gaps that trigger higher premiums once you're back on the road.
Who Needs Uninsured Motorist Coverage Insurance?
If you're required to carry SR-22 insurance, your insurer will file the SR-22 on a policy that already includes UM unless you sign a rejection, and dropping it later can create a coverage gap that delays reinstatement. Drivers without collision coverage—common among those on non-owner SR-22 policies—benefit from adding UMPD because it's often the only way to recover vehicle repair costs when an uninsured driver hits you.
Calculate your health insurance deductible and out-of-pocket maximum, then compare that to the annual cost of UM coverage. If yes, and you don't own a car, reject UM.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your driving record and suspension history—carriers price UM coverage higher for drivers reinstating after DUI or points-related suspensions because those drivers statistically file more claims.
