Your Real Backstop: Why UM and UIM Coverage Matters So Much for Columbia Riders

Your Real Backstop: Why UM and UIM Coverage Matters So Much for Columbia Riders

Your Real Backstop: Why UM and UIM Coverage Matters So Much for Columbia RidersMichael Jeffcoat
Published on: 20/08/2026

South Carolina's minimum liability limits are low, its share of uninsured drivers is high, and a rider takes the worst of any crash. Here is why uninsured and underinsured motorist coverage is the Midlands rider's real safety net, and how to check yo

Journal
Read more
The 51 Percent Rule: How South Carolina's Fault Line Can Shrink or Sink a Columbia Rider's Claim

The 51 Percent Rule: How South Carolina's Fault Line Can Shrink or Sink a Columbia Rider's Claim

The 51 Percent Rule: How South Carolina's Fault Line Can Shrink or Sink a Columbia Rider's ClaimMichael Jeffcoat
Published on: 20/08/2026

South Carolina reduces your recovery by your share of fault and bars it entirely if you are 51 percent or more to blame. Here is how insurers push that number onto Midlands riders and why documentation decides the outcome.

Journal
Read more