What to Do If You’re Hit by an Uninsured Driver in South Carolina

Discovering that the driver who hit you lacks insurance coverage can be a stressful and frustrating experience. However, it’s essential to know how to navigate this situation to protect your rights and seek compensation for your injuries and damages. Here’s a practical guide on what to do if you’re involved in a collision with an uninsured driver in South Carolina.

1. Assess the Situation

Immediately after the accident, assess the situation and ensure that everyone involved is safe. If anyone requires medical attention, call for emergency assistance. Once safety has been addressed, gather information from the other driver, including their name, contact information, and vehicle details, regardless of their insurance status.

2. Contact Law Enforcement

In South Carolina, it’s crucial to contact law enforcement to report the accident, especially if there are injuries or significant property damage. A police report can serve as valuable documentation of the accident and provide an official record of the events that occurred. Be sure to accurately describe the circumstances of the accident to the responding officer.

3. Document the Scene

Take photographs of the accident scene, including vehicle damage, road conditions, and any relevant signage or landmarks. These photographs can serve as evidence to support your insurance claim and establish the severity of the collision. Additionally, gather contact information from any witnesses who may have observed the accident.

4. Notify Your Insurance Company

Regardless of the other driver’s insurance status, it’s important to notify your insurance company of the accident as soon as possible. Your insurance policy may include uninsured motorist coverage, which can provide compensation for your injuries and damages in the event of a collision with an uninsured driver. Be honest and provide accurate information when reporting the accident to your insurer.

5. Explore Legal Options

If you’ve been injured in a collision with an uninsured driver, you may still have legal options for seeking compensation. In South Carolina, you may be able to file a lawsuit against the uninsured driver to recover damages for your medical expenses, lost wages, and pain and suffering. Additionally, uninsured motorist coverage under your own insurance policy can provide financial protection in these situations.

6. Consult with an Attorney

Dealing with the aftermath of a collision with an uninsured driver can be complex, especially when seeking compensation for your injuries and damages. Consulting with a knowledgeable personal injury attorney can help you understand your legal rights, navigate the claims process, and explore all available options for pursuing compensation. An attorney can advocate on your behalf and work to ensure that you receive fair and just compensation for your losses.


Being involved in a collision with an uninsured driver in South Carolina can present challenges, but it’s important to take appropriate steps to protect your rights and seek compensation for your injuries and damages. By following these guidelines and seeking legal assistance when needed, you can assert your rights and pursue the compensation you deserve.