In order to verify that a company offered you the optional underinsured motorist coverage, the company must have a signed form from you confirming whether you do or do not want the optional coverage. The form may also provide the option for you to increase the amount of coverage you have for liability and uninsured motorist coverage in addition to offering you the underinsured motorist coverage. You are required to fill out the form and return it to the company for their records; otherwise, the company will add the underinsured motorist coverage to your policy and rate you for the coverage. The South Carolina Department of Insurance does not have a copy of your form, so if you have additional questions, you should contact your insurance agent for further clarification.