Posted by the Charleston SC Car Accident Lawyers at Anderson & Schuster, Attorneys at Law, LLC. Our Charleston auto accident lawyers help those injured in car, truck and motorcycle accidents in Charleston, North Charleston, Mt. Pleasant, Summerville, Goose Creek and across the South Carolina lowcountry.
Uninsured motorists have been a large problem in South Carolina. This problem grew to such an extent that the South Carolina legislature passed a law that mandates Uninsured Motorist Coverage to be included in auto insurance policies issued in South Carolina. According to S.C. Code Ann. § 38-77-150, No automobile insurance policy or contract may be issued or delivered unless it contains a provision by endorsement or otherwise, herein referred to as the uninsured motorist provision, undertaking to pay the insured all sums which he is legally entitled to recover as damages from the owner or operator of an uninsured motor vehicle, within limits which may be no less than the requirements of Section 38-77-140.
Section 38-77-140 is the statute in South Carolina that sets the minimum limits for auto insurance coverage in our state. Currently, South Carolina's minimum limits for auto insurance policies are $25,000 for bodily injury to one person in any one accident, $50,000 dollars because of bodily injury to two or more persons in any one accident, and $25,000 dollars because of injury to or destruction of property. These limits are often termed "25/50/25." That means that according to section 38-77-150 of the South Carolina Code, if you have a South Carolina insurance policy, you may be covered under your own insurance policy for an accident caused by an uninsured driver.
This uninsured motorist coverage provided by your insurance policy may allow you to make a claim for damages like medical bills, pain and suffering, and lost wages that you sustain in a car accident with someone that is either uninsured or in a hit-and-run car accident where the driver is determined to qualify as an uninsured driver. Circumstances that allow you to recover against the uninsured motorist provision of your auto insurance policy in a hit-and-run auto accident will be discussed in a separate post.
If you have been involved in a car accident where the at-fault party hit you and then fled the scene, or if you have been in a car accident with a driver that did not have any insurance, call now to speak with a Charleston, SC Car Accident Attorneys at Anderson & Schuster, Attorneys at Law, LLC. Our phone number is (843) 388-3661. Remember, our personal injury consultations are free of charge and we are happy to talk about your options with you.