[[{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question","text":"A study by the Insurance Research Council (IRC) indicates that as many as 13 percent of U.S. motorists were uninsured in one recent year. That means about one in eight drivers hit the road daily without mandatory car insurance coverage.  Frustratingly, insured drivers end up paying close to $13 billion every year in preventable costs due to uninsured drivers. On a state-by-state level, South Carolina ranks 29th for the most uninsured motorists on the road.","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question2","text":"In South Carolina, drivers must carry two key types of liability insurance coverage: 1) Bodily injury liability \u2013 When the insured driver causes an accident that injures someone else, bodily injury liability coverage pays for their medical costs. South Carolina law requires at least $25,000 per person and $50,000 per accident in bodily injury liability insurance. 2) Property damage liability \u2013 Similarly, property damage liability insurance covers drivers when they damage someone else\u2019s vehicle or other physical property in an accident. The minimum property damage liability coverage in South Carolina is $25,000 per accident.","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer1"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question3","text":"Operating a motor vehicle without valid liability insurance or registering as an uninsured motorist is illegal in South Carolina. State law says uninsured driving is a misdemeanor offense, punishable by:  A $550 uninsured motorist fee A fine of up to $200 Up to 30 days in jail  The state can also confiscate your vehicle registration and license plates. For each day you go without coverage, you could face a $5 surcharge \u2013 for a total penalty of up to $200. Reinstating your driving privileges can also cost up to $200.","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer2"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question4","text":"South Carolina follows a modified comparative negligence doctrine regarding personal injury lawsuits. That means the courts can reduce your compensation for a car accident claim based on the percentage of fault you bear for causing the accident. And if you are 51 percent or more at fault, the law bars you from seeking compensation altogether.","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer3"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question5","text":"Uninsured motorist (UM) coverage is mandatory in South Carolina. This coverage protects you in collisions with uninsured drivers, including hit-and-run drivers. State law requires you to carry UM coverage equal to the minimum liability coverage for bodily injury and property damage. That means $25,000 per person and $50,000 per accident in bodily injury and $25,000 in property damage coverage.  Underinsured motorist (UIM) coverage is different. It protects you if you are in an accident with a driver who has some insurance but not enough to cover your losses. Auto insurance companies are required to offer you UIM coverage in South Carolina. However, you do not have to purchase it.","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer4"},{"@context":"http:\/\/schema.org","@type":"Answer","text":"If you do not have UM or UIM coverage after an accident with a careless driver, you may still have options for recovering compensation. You could file a personal injury lawsuit seeking compensation from the at-fault motorist. You could also file a claim with your insurance company if you have medical payments (MedPay), personal injury protection (PIP), collision, or comprehensive coverage","name":"Answer Question5","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer5"},{"@context":"http:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer"},"name":"What Are Some Uninsured\/Underinsured Motorist Statistics?","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Question"},{"@type":"Question","acceptedAnswer":{"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer1"},"name":"What Auto Liability Insurance Is Required in South Carolina?","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Question2"},{"@type":"Question","name":"What Are the Penalties for Driving Without Auto Liability Insurance in South Carolina?","acceptedAnswer":{"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer2"},"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Question3"},{"@type":"Question","name":"Does the Other Driver\u2019s Insurance Still Cover Me If I Was Partly At Fault?","acceptedAnswer":{"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer3"},"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Question4"},{"@type":"Question","name":"Is Uninsured\/Underinsured Motorist Coverage Mandatory in South Carolina?","acceptedAnswer":{"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer4"},"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Question5"}],"name":"What Happens If the Person At Fault Has No Insurance in South Carolina?","@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#FAQPage"},{"@context":"http:\/\/schema.org","@type":"Question","name":"What If I Don\u2019t Have UM\/UIM Insurance?","acceptedAnswer":{"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Answer5"},"@id":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#Question6"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.mtllawfirm.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"What Happens If the Person At Fault Has No Insurance in South Carolina?","item":"https:\/\/www.mtllawfirm.com\/blog\/person-at-fault-has-no-insurance\/#breadcrumbitem"}]}]