Hit-and-Run Accidents in South Carolina: What You Need to Know

I would imagine lawlessness abounds greatly in every state but lately it seems so many people are driving without any automobile insurance and/or not even stopping after being involved in a collision if they are able to drive away. 

South Carolina law is clear on the requirements a driver involved in a hit-and-run must meet in order to pursue their own "uninsured" insurance coverage.  S.C. Code 38-77-170 copied below states:

 SECTION 38-77-170. Conditions to sue or recover under uninsured motorist provision when owner or operator of motor vehicle causing injury or damage is unknown.

If the owner or operator of any motor vehicle which causes bodily injury or property damage to the insured is unknown, there is no right of action or recovery under the uninsured motorist provision, unless:

(1) the insured or someone in his behalf has reported the accident to some appropriate police authority within a reasonable time, under all the circumstances, after its occurrence;

(2) the injury or damage was caused by physical contact with the unknown vehicle, or the accident must have been witnessed by someone other than the owner or operator of the insured vehicle; provided however, the witness must sign an affidavit attesting to the truth of the facts of the accident contained in the affidavit;

(3) the insured was not negligent in failing to determine the identity of the other vehicle and the driver of the other vehicle at the time of the accident. (emphasis added).

Some people will try and manipulate the system so there have to be checks and balances to ensure some validity to what is being offered. Otherwise in rural areas of South Carolina every accident "avoiding a deer" would be claimed as a hit and run. Too bad the deer don't carry insurance or have assets.