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Uber is Here to Stay in South Carolina

South Carolina lawmakers have passed a bill into law that will allow Uber to continue to operate in South Carolina—but with more specific insurance requirements for drivers. According to the Insurance Journal, the amount of coverage that drivers would be required to hold was a large part of the bill’s debate. Ultimately, lawmakers decided that Uber drivers must hold insurance that specifies that they use their vehicles to transport passengers for compensation. Drivers are required to have liability insurance for at least $50,000 for death or injury per person, $150,000 for death and injury per accident, and $25,000 for property damage. This coverage protects Uber drivers who are driving without a paying passenger. When a driver is transporting a passenger for compensation, bodily injury and death coverage must be at least $1 million. The coverage requirements can either be satisfied by insurance held by the driver or through additional coverage Uber or a similar company provides.

Personal injury claim

This is good news for Uber riders. Those who are injured while being transported by Uber drivers can ride with the peace of mind that their injuries will be covered up to $1 million. Personal injury lawyers often work with injured clients to help them receive the compensation they deserve for pain and suffering, medical expenses, rehabilitation, and missed time at work.

The law also places other requirements on drivers who transport passengers for compensation. Cars must pass a 19 point safety inspection and drivers must display a decal to identify their vehicle as for-hire.

Critics of the law’s requirements argue that not many independent insurance companies offer the kind of insurance Uber drivers will need. Drivers must also communicate with their insurance providers and inform their insurers that they are using their vehicles to transport passengers commercially. Many auto insurance policies will not cover drivers if they use their vehicles for commercial purposes. If Uber drivers fail to be honest with their insurers, passengers may find themselves facing insurance gaps should an accident occur.

Yet, many lawmakers and citizens have been celebrating the passage of the law in South Carolina. The law has been praised for offering a solution that allows innovation to flourish, while also protecting citizens who use ride-sharing applications. ABC News 4 notes that South Carolina now joins 20 other states that have passed similar ride-sharing laws.

According to ABC News 4, drivers will also be required to submit to mandatory background checks.

Yet, Uber and ride-sharing passengers are reminded that the law is new and drivers may not be completely honest with their insurers. If this happens and a passenger is injured, he or she may have more difficulty receiving the compensation he or she deserves.

In the weeks and months ahead we’ll likely get a fuller picture of compliance and how effective the new law will be in regulating the industry. While many hope that the law will protect passengers, critics argue that not all passengers might be covered in the event of an accident. The Drescher Law Firm, L.L.C. are personal injury lawyers who assist drivers and passengers who have been injured in a car accident in Charleston, South Carolina.

Personal Injury Attorney Profile

Scott Drescher, Personal Injury Lawyer in Charleston SC. imageMr. Drescher's knowledge and experience in the field of personal injury and wrongful death law have made him an outstanding personal injury and wrongful death attorney in South Carolina. He understands the thinking process of juries, due in part to his educational background in psychology and sociology. He is experienced in trying large civil cases, which has helped him become a very successful trial attorney in Charleston and the surrounding areas.
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