Getting Insurance Driving UninsuredThe Palmetto State is one of few that offer drivers the chance to opt out of driving with automobile coverage by paying an uninsured motorist fee of 0 when they register their vehicle. Because this is allowed, there are some people who may be tempted to simply pay the fine instead of searching for an affordable policy. There are, however, a number of pitfalls associated with driving without the proper amount of protection. In the event of an accident, an uninsured motorist may end up paying a considerable amount of money out of pocket.If a driver chooses to pay the uninsured motorist fee it means that they have chosen to forgo any South Carolina auto insurance which means that they do not have any form of liability in place. Essentially, if a person strikes another vehicle and is at fault then they may be forced to pay for the cost of repairs to the other party's automobile, as well as for medical expenses in the event that the person struck or their passengers were injured. Accidents greatly differ in severity, but more often then not they are fairly expensive, particularly if injuries occur. If a motorist suffers from broken bones or any long term injuries, then costs can quickly jump into the thousands.