What Is Underinsured Motorist Coverage and Why You Might Need It More Than You Think
When most people buy car insurance, they focus on the basics: liability, collision, maybe comprehensive. But, one of the most important types of coverage you can have is also one of the most misunderstood — or completely overlooked: Underinsured Motorist Coverage (“UIM”).
As a South Carolina personal injury lawyer, I’ve seen firsthand how devastating it can be when someone is seriously hurt in a crash and the at-fault driver’s insurance isn’t enough to cover the medical bills, lost income, and long-term care. That’s where UIM steps in — but only if you have it.
What Is UIM Coverage?
Underinsured Motorist Coverage (UIM) is a type of insurance that helps protect you when the at-fault driver doesn’t carry enough insurance to fully compensate you for your injuries and damages.
It can help cover:
- Medical bills
- Lost wages
- Future treatment and care needs
- Pain and suffering
In South Carolina, liability coverage is mandatory — but UIM coverage is optional, which means many drivers either skip it or buy too little in an effort to save on premiums. Unfortunately, that can come at a huge cost after a serious wreck.
A Real Example From My Practice
Recently, I began working with a young woman who was rear-ended and knocked unconscious in a crash. She suffered a permanent brain injury. The at-fault driver’s insurance paid their policy limits — but it wasn’t nearly enough to cover her lifelong needs.
Thankfully, my client had UIM — but only $75,000. And while that sounds like a lot, it doesn’t go far when you’re facing years of medical treatment, neurologist visits, daily headaches, and disrupted sleep for the rest of your life.
Why You Should Review Your Policy Today
The time to check your coverage isn’t after a wreck — it’s before.
If you’re not sure whether you have UIM or how much you need, take five minutes to look over your policy. Or, just reach out. I’m always happy to walk you through it.
▶️ Watch My Video on UIM Coverage
I recently recorded a quick, no-nonsense video to explain why UIM matters — and why I urge every South Carolina driver to get as much as they can afford.
🔍 Need Help Understanding Your Insurance?
I’ve also written a simple, plain-English guide to buying South Carolina auto insurance — it’s available here.
And if you have questions about your coverage or have been hurt in a wreck, don’t hesitate to contact me. I’d be honored to help.
Palmetto State Injury Lawyers
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