Unfortunately, some drivers use our public roads and highways without the South Carolina mandated insurance coverage. These uninsured drivers pose an incredible risk to our communities. When the at-fault driver does not have car insurance, the person who caused the harm in the first place often cannot pay for the injuries they caused. However, you might not be left without options.
When you determine that the driver who caused the accident does not have car insurance, you can use your insurance policy to pay for your harms and losses. Your insurance policy will have an uninsured motor vehicle provision. This provision in your car insurance will step into the shoes of the uninsured at-fault driver and pay for your harms and losses.
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