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South Carolina Auto Insurance Requirements (Part A)

If you drive a motor vehicle in South Carolina, then it is important that you understand South Carolina auto insurance requirements. According to South Carolina's minimum insurance requirements, the driver of a motor vehicle must purchase liability coverage for bodily injury and property damage.

South Carolina Auto Insurance Requirements

South Carolina auto insurance requirements set the minimum amount that a motorist will need for 3 different types of coverage. The minimum South Carolina auto insurance requirements are set at 25/50/25.

This means that you will need:
 

  • a minimum of $25,000 of bodily injury liability coverage for one person in one accident;
  • a minimum of $50,000 of bodily injury liability coverage for all persons in one accident; and
  • a minimum of $25,000 of property damage liability for one accident. 


In South Carolina, motorists are not required to purchase underinsured motorist coverage (UIM), although it is recommended, as many people only purchase the minimum car insurance requirements and some people drive without any insurance at all. If you are involved in a car accident with one of these drivers, uninsured motorist coverage can help compensate you for your medical bills and other damage.

Additional Types of Auto Insurance Coverage

Only purchasing the minimum South Carolina auto insurance requirements may not provide sufficient coverage if you are injured in a car accident.
While you can make a claim against the at-fault driver's insurance, you may be able to protect yourself and your family by adding additional coverage onto your car insurance policy in the event that the other driver's insurance limits do not cover the extent of your medical bills, lost wages, property damage and other accident expenses.

Additional types of car insurance you may wish to add onto your South Carolina auto insurance policy include:
 

  • Uninsured/Underinsured Motorist coverage - this can help compensate for your auto repairs and medical bills when the other driver has inadequate insurance or none at all.
  • Rental coverage - this provides you with the ability to get a rental vehicle without having to pay additional out-of-pocket expenses while the other insurance company investigates you claim (which can take a while, as they are in no rush to settle your claim).
  • Collision coverage - this will pay for the damage done to your vehicle while the other insurance company continues to investigate your claim so you don't have to wait to get your vehicle repaired.


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