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Uninsured Motorist Coverage — South Carolina

Uninsured motorist coverage pays your medical bills and vehicle damage when a driver without insurance hits you.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured motorist coverage (UM) is a policy add-on that pays for your medical expenses, lost wages, and vehicle damage when you're hit by a driver who has no insurance or insufficient coverage to pay your claim. It functions as backup protection when the at-fault driver can't cover what they owe you. South Carolina law requires carriers to offer UM coverage at limits matching your liability minimums, but you can reject it in writing—most suspended license holders skip it to keep reinstatement costs low, unaware that their SR-22 liability policy only covers damage they cause to others, not injuries or repairs they suffer.

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Who Needs Uninsured Motorist Coverage Insurance?

UM makes sense if you're reinstating after suspension, don't own a vehicle outright, and can't afford to replace it or cover your own medical bills after an accident. South Carolina has one of the higher uninsured motorist rates in the Southeast—roughly 1 in 9 drivers—so the odds you'll eventually be hit by someone without coverage are material.

How Much Does Uninsured Motorist Coverage Insurance Cost?

  • Your liability limits—UM is offered at the same limits as your bodily injury liability, so higher liability limits raise UM cost proportionally.
  • Your county's uninsured motorist rate—areas with higher percentages of uninsured drivers see slightly higher UM premiums due to claim frequency.
  • Your driving record—suspended license holders reinstating with SR-22 pay higher base premiums, which increases the dollar cost of UM even though the percentage add stays consistent.

Related Coverage Types

A woman with long blonde hair sits in the driver's seat of a vehicle, holding a phone to her ear, seen through the windshield.High-Risk Auto Insurance→A hand holds a key fob and key over a wooden table with printed documents, a pen, a clipboard, and a black mug, with a blurred kitchen behind.Liability Insurance→An open black mailbox with a red flag and a white envelope inside, mounted on a post beside a gravel driveway, with a dark car and a house blurred in the background at dusk.Hardship License Insurance→A man in a dark long-sleeved shirt sits at a wooden desk working on a laptop, with blueprints, notebooks, a travel mug and a hard hat on a shelf nearby, and a window showing a sunset sky behind him.Non-Owner SR-22→
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Find South Carolina Coverage After a DUI

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