Uninsured motorist coverage on your car is required in South Carolina for good reason. But do you really know what that reason is? Let me explain it using this example:
You are driving through an intersection with your teenager in the front seat. Suddenly, out of nowhere, a driver texting on his cell phone hits you in the driver’s side door. The impact causes you to hit your head and pass out. When you come to, your daughter is screaming and blood is running down the side of her face. You are in excruciating pain. The ambulance arrives and you are taken to the nearest hospital.
After the wreck, the police officer who investigated the collision, comes to the hospital and provides you with an FR-10, which is an insurance verification form issued by the Department of Motor Vehicles. The next day, you call the at-fault driver’s insurance company to report your claim for property damage and bodily injury only to be told by the adjuster that the at-fault driver’s insurance lapsed for non-payment of premiums. So, the driver that hits you has no liability insurance coverage on his vehicle.
That’s where uninsured motorist coverage comes in. Uninsured motorist coverage provides you coverage on your vehicle when you are in a collision with an uninsured driver. The minimum limits required in South Carolina are 25/50/25. With that limit of coverage, that means that the highest an injured person in your vehicle can receive is $25,000, the insurance company will pay no more than $50,000 for a single accident regardless of the number of people injured in the accident, and the highest you can receive for your property damage is $25,000.
The North Charleston attorneys at Callihan Lohr & Syracuse handle car wreck cases all the time and know what it takes to get you the most uninsured motorist coverage that you are entitled to. If you or a loved one has been injured in a car wreck, call the North Charleston attorneys at Callihan Lohr & Syracuse for help.
K.C. Lohr, Attorney