re: Uninsured motorist bodily injury coverage

As a lawyer, having UM coverage is important. The most common UM claims I deal with in SC tend to be John Doe claims, where a motorist is injured due to the negligence of a driver who is unidentified, either because the unidentified motorist flees or legally drives away because there was no contact with another vehicle.

As far as having good health insurance, I'll give you an example. Let's say you get in a wreck with an unknown driver and have $60k in medical bills. Let's also say you have good health insurance and $100k in UM coverage. Your health insurance will likely cover all of your medical expenses and you will likely be able to collect the UM policy limits. While your health insurer will have a subrogation lien on the settlement, you can usually satisfy the insurance lien for 25-50% of the total amount. After lawyer fees, this still leaves you with between $40k and $50k after the case is over.