What if the at-fault driver is uninsured or underinsured?

In South Carolina, if the at-fault driver is uninsured or underinsured, you may still be able to recover compensation for your losses. However, this would be through a different route. You may be able to access your own uninsured/underinsured motorist (UM/UIM) insurance coverage if you have it. If you do not have UM/UIM insurance, you may be able to sue the at-fault party’s insurance company for the full amount of your losses. In some cases, you may even be able to sue the at-fault party directly for the full amount of your damages. Additionally, if the at-fault driver’s insurance company offers coverage that is insufficient to cover all of your losses, you may be able to access South Carolina’s Motor Vehicle Financial Responsibility Law (MVFRL). This law keeps a fund that can be accessed by victims of accidents caused by uninsured or underinsured drivers. If you qualify for the fund, you may be able to get compensation for your medical bills, lost wages, and other losses. It is important to keep in mind that if you are involved in a bicycle accident in South Carolina with an uninsured or underinsured driver, the process of recovering compensation can be very complicated. Because of this, it is important to speak with an experienced bicycle accident attorney who can help you understand your rights and options and fight for the compensation you deserve.

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What if the at-fault driver is uninsured or underinsured?

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