Motorcyclists are vulnerable. Approximately 8 in 10 motorcycle accidents result in an injury to the rider. In South Carolina, injured motorcyclists have a right to hold the at-fault driver liable for their crash. Unfortunately, not all drivers have the liability coverage that is required by law, or if they do they have an insufficient amount of insurance. This raises an important question: Do I need an additional amount of uninsured motorist coverage and Underinsured coverage for my motorcycle? The short answer is “yes.” You can benefit from a UM/UIM policy. Here, our Anderson motorcycle accident lawyer explains why every motorcyclist in South Carolina should have uninsured and underinsured motorist coverage.

What is South Carolina Uninsured Motorist Coverage?

In South Carolina, uninsured motorist (UM) coverage protects drivers when they are involved in an accident with a motorist who has no insurance. It is a type of insurance that you can buy that provides compensation for damages if your crash is caused by an uninsured driver. Through a UM claim, you may be able to access compensation for bike repairs, medical bills, lost wages, and other damages.

South Carolina law requires all auto insurance policies to offer UM coverage equal to the amount of the liability coverage on the motorcycle. Motorcyclists should purchase. higher limits of coverage than required because of the increased risk for injury that affects them.

Why Every Motorcyclist Should Have Uninsured and Underinsured Motorist Coverage

South Carolina requires all drivers to have minimum mandatory liability coverage. However, many drivers lack the insurance that they are supposed to have. According to data from the Insurance Information Institute (III), an estimated 12.5 percent of drivers in South Carolina do not have coverage. For reference, that means that nearly one in every seven drivers is uninsured. Even more drivers in South Carolina are underinsured. Given that motorcyclists are at a heightened risk of being hurt in a crash, it is especially important that they protect themselves from uninsured and underinsured drivers with comprehensive UM/UIM coverage.

You Need Full and Fair Compensation After a Serious Crash

Hurt in a motorcycle accident with an uninsured or underinsured driver in South Carolina? You have the right to seek compensation for the full extent of your damages, including any non-economic losses. How much can you expect to recover in financial compensation? The answer depends on many different factors. Do not rely on any insurance company—including your own UM/UIM provider—to look out for your best interests. Our Anderson, SC motorcycle accident attorney can help you seek the maximum financial compensation, including for:

Motorcycle repairs;
Emergency room care;
Hospital bills;
Other medical expenses;
Physical therapy;
Loss of wages;
Loss of earning power;
Pain and suffering;
Mental distress;
Long-term disability; and
Wrongful death.

Contact Our South Carolina Personal Injury Attorney Today for a Free Case Review

At The Law Office of Steven M Krause PA, our Anderson motorcycle accident lawyer has the skills and experience to take on uninsured and underinsured motorist cases. If you were hurt in a motorcycle crash, we are here to help. Contact us today for your free, no obligation initial case review. From our Anderson law office, we handle motorcycle crash injury claims throughout the surrounding region.