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The Importance of Underinsured & Uninsured Auto Insurance Coverage

In Novermber 2012, the South Carolina Court of Appeals decided an important auto insurance case. (Thalia S., Gromacki, et al. v Progressive Select Insurance Company, SC App. 2011-195546, Nov. 28, 2012).

Florida residents were involved in a traffic accident in South Carolina while driving from Florida en route to Virginia. Passengers in the car that was hit brought suit in South Carolina against the driver and his insurance company for damages for their injuries. The insurance company for the driver denied that it provided insurance coverage, as the insurance policy in question was issued in Florida under Florida law. Our – South Carolina’s – Court of Appeals agreed with the insurance company. Therefore, the driver did not have insurance.

The lesson from this case is to be sure that your auto insurance policy is up-to-date and provides the maximum amount of coverage available. This is necessary so as to protect you and your family in the event that those who are at fault do not have insurance or do not have enough insurance. Be sure to purchase Underinsured Coverage as well as Uninsured Coverage. If you want additional information, help understanding this coverage, or if you have been in a similar situation and want legal counsel or representation, please contact Barrow Law Firm.

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