Underinsured Motorist Coverage — What is it and how does it work?

When you are involved in a car accident and are not at-fault, the at-fault party is liable for bodily injuries caused by the accident.

Often injuries are so significant in an accident that the at-fault party does not have enough insurance coverage (liability coverage) to pay for the damages.

In these situations it is important to find out whether Underinsured Motorist Coverage (called “UIM”) is available.

UIM operates similar to Uninsured motorist coverage (called “UM”), but instead protects you when the at-fault party does not have enough insurance coverage to cover the damages in your claim…meaning the at-fault party is “underinsured”.

In South Carolina, your insurance company is required to offer you the ability to purchase Underinsured Motorist Coverage but you are not required to make the purchase.

Underinsured motorist coverage operates as another blanket of protection that may be available to protect you, your family, or loved ones for injuries sustained in a car wreck.

Dealing with a car accident is a stressful time and the process can be complex. If you have questions about your injury accident and whether Underinsured Motorist Coverage may apply please feel free to contact our office at any time.

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