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It’s simply not fair. You pay for your car insurance each month. You hope you never need to actually file a claim, but you pay your premiums and keep your vehicle insured for the “just in case” moments in life.
But now you are having to deal with getting hit by another driver who didn’t have insurance. So now what happens? Who pays because someone else wasn’t following the law and wasn’t carrying car insurance?
All South Carolina drivers are required by law to carry two types of insurance: liability and uninsured motorist coverage.
Here is a breakdown of what needs to be included in your insurance plan to legally drive in the state:
As a result, when another driver is not insured or flees the scene, your uninsured motorist coverage should cover you up to the minimum limits – or more if this is what you elected for with your insurance company.
There is nothing more frustrating than paying your insurance premiums, only to have your insurance company deny your claim. Unfortunately, though, this does happen and sheds light on how many insurance companies operate. The truth is – an insurance company is a business. While the company may say it has your best interests in mind, this is not always the case when results must be measured by profits and losses.
For that reason, it is important to have an advocate on your side who understands how to navigate the insurance claims process and ultimately file suit on your behalf if the insurance company refuses to fairly compensate you for your injuries. Call today to schedule a free evaluation of your potential claim with an attorney.