Being hit by another driver is stressful enough. Finding out that the driver who caused the crash has no insurance makes it worse.

Unfortunately, uninsured and underinsured drivers are common in South Carolina. When this happens, many accident victims assume they are out of options or stuck paying medical bills themselves. That is not always true.

This guide explains how uninsured motorist claims work in South Carolina, what coverage applies, why these claims are often more complicated than people expect, and how injured victims protect their right to full compensation.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage, often called UM coverage, is part of your own auto insurance policy. It is designed to protect you when the at-fault driver cannot.

Uninsured motorist coverage may apply when:

• The at-fault driver has no insurance
• The at-fault driver fled the scene (hit and run)
• The at-fault driver’s policy was canceled or invalid
• The insurance company denies coverage

In these situations, your insurance company steps into the role of the at-fault driver for purposes of compensation.

That sounds straightforward. In practice, it rarely is.

Underinsured Motorist Coverage Is Different

Many drivers technically have insurance but not enough to cover serious injuries.

Underinsured motorist coverage, often called UIM coverage, applies when:

• The at-fault driver’s policy exists
• Their coverage limits are too low to fully cover your damages

In serious injury cases, this is extremely common. Minimum insurance limits are often exhausted quickly by medical bills alone.

Why Uninsured Motorist Claims Are Often More Difficult Than Expected

Many people assume their own insurance company will be easier to work with. That assumption leads to costly mistakes.

Even though it is your policy, your insurer still:

• Investigates fault aggressively
• Challenges injury severity
• Reviews medical treatment closely
• Looks for ways to limit payout

The relationship changes once a claim is filed.

What You Still Have to Prove in a UM or UIM Claim

Uninsured motorist claims are not automatic.

You must still prove:

• The other driver caused the accident
• You were injured
• The injuries were caused by the crash
• The extent of your damages
• The value of pain and suffering

Nothing is presumed. Documentation matters just as much as in any third-party injury claim.

Hit-and-Run Accidents and Uninsured Motorist Coverage

Hit-and-run accidents often fall under uninsured motorist coverage.

However, insurers frequently require:

• Prompt police reports
• Proof the accident actually occurred
• Evidence linking injuries to the incident

Delays in reporting or gaps in documentation give insurers grounds to dispute the claim.

Medical Treatment Is Critical in UM Claims

Medical records are the backbone of any uninsured motorist claim.

They establish:

• That injuries exist
• When symptoms began
• How serious the injuries are
• Whether treatment was necessary
• Whether future care may be required

Delaying treatment is one of the fastest ways uninsured motorist claims lose value.

Recorded Statements Can Hurt UM Claims

Insurance companies often request recorded statements early in uninsured motorist cases.

These statements may later be used to:

• Dispute fault
• Minimize injuries
• Challenge consistency

You are not required to give a recorded statement to protect your claim. Even statements to your own insurer should be handled carefully.

How Fault Affects Uninsured Motorist Claims in South Carolina

South Carolina follows a modified comparative negligence rule.

You may recover damages if you are 50 percent or less at fault. If you are 51 percent or more at fault, you recover nothing.

Insurance companies often try to shift fault in uninsured motorist cases because there is no opposing insurer to push back.

Clear evidence is essential.

Multiple Policies May Apply

Many accident victims do not realize that more than one policy may provide coverage.

Depending on the situation, coverage may come from:

• Your own auto policy
• A household member’s policy
• Policies covering the vehicle you were in
• Stacked coverage in some situations

Identifying all available coverage early can significantly affect recovery.

Common Mistakes That Reduce UM Claim Value

Uninsured motorist claims are often weakened by:

• Delaying medical care
• Assuming cooperation means approval
• Giving recorded statements too early
• Accepting low initial offers
• Failing to document daily limitations
• Posting on social media

Once a settlement is accepted, the claim is final.

Why Uninsured Motorist Claims Take Time

UM and UIM claims often take longer than expected because:

• Fault may be disputed
• Medical treatment may be ongoing
• Coverage issues must be resolved
• Insurers investigate aggressively

Rushing to settle before treatment is complete often leads to undervaluation.

When Uninsured Motorist Coverage Becomes the Only Option

In some cases, uninsured motorist coverage is the only path to compensation.

This commonly occurs when:

• The at-fault driver has no assets
• The driver fled the scene
• Insurance coverage is denied

In these cases, protecting the claim becomes especially important.

Why Legal Guidance Matters in Uninsured Motorist Claims

Uninsured motorist claims blur the line between first-party and third-party claims.

Legal guidance helps:

• Identify all available coverage
• Protect fault arguments
• Manage insurance communication
• Document damages fully
• Avoid early undervaluation

Prepared claims are treated differently.

GREENVILLE, SOUTH CAROLINA

Local Guidance for Greenville Personal Injury Cases

Greenville’s rapid growth has led to increased traffic density and construction-related accidents. Busy corridors such as I-85, I-385, and major arterials contribute to a wide range of collision types.

Common Greenville case factors include:

• High-speed highway accidents
• Commercial vehicle involvement
• Construction zone incidents
• Multi-vehicle collisions

As Greenville expands, insurers often dispute fault aggressively, especially in complex traffic patterns or work zones.

Medical care in Greenville often involves specialists and extended treatment plans. Insurers frequently scrutinize treatment duration and necessity, making documentation critical.

Schiller & Hamilton helps Greenville injury victims protect their claims, counter aggressive insurance tactics, and pursue compensation aligned with the full scope of their injuries.

ROCK HILL, SOUTH CAROLINA

Local Guidance for Rock Hill Personal Injury Claims

Rock Hill’s proximity to the North Carolina border creates unique challenges in personal injury cases. Accidents often involve drivers from multiple states, which can complicate insurance coverage and jurisdiction issues.

Common Rock Hill accident factors include:

• Cross-state insurance policies
• Commuter traffic
• Highway and arterial road collisions
• Delivery and commercial vehicles

Because many Rock Hill residents commute or travel frequently across state lines, determining which laws apply requires careful analysis. South Carolina’s comparative negligence rules still control most cases, but insurance carriers may attempt to introduce confusion.

Medical treatment may occur in either South Carolina or North Carolina, which makes record coordination especially important.

Schiller & Hamilton helps Rock Hill injury victims navigate multi-state complications, protect fault positions, and ensure claims are handled under the correct legal framework.

Frequently Asked Questions

Can I sue my own insurance company?

In some uninsured motorist cases, legal action may be required to resolve disputes over coverage or value.

Does uninsured motorist coverage increase my premiums?

Filing a UM claim should not automatically raise premiums, though policies vary.

Do I need a police report?

In most cases, yes. Prompt reporting strengthens uninsured motorist claims significantly.

When to Speak With a South Carolina Uninsured Motorist Lawyer

You should consider legal guidance if:

• The at-fault driver had no insurance
• The driver fled the scene
• Your injuries required medical treatment
• Fault is disputed
• You are unsure what coverage applies
• You feel pressure to settle

Uninsured motorist claims often look simple but become complex quickly.

Schiller & Hamilton helps South Carolina accident victims navigate uninsured and underinsured motorist claims, protect available coverage, and pursue fair compensation when the at-fault driver cannot pay.