South Carolina Auto Insurance
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South Carolina Auto Insurance Requirements
If you’ve ever shopped for South Carolina auto insurance, you know you can choose not only the coverage, but also the limits. The only requirement is that your policy meets the minimum requirements of the state in which your vehicle is registered.
No insurance, no driving
In South Carolina, you cannot drive legally without liability insurance. If you cause an accident, and as a result injure other people including other passengers, pedestrians and bicyclists, and/or you damage other property, liability insurance pays the costs associated with fixing those injuries and damage. But only up to the limits you’ve chosen.
South Carolina minimum liability limits
Bodily injury liability pays the costs associated with the injuries or death of others. It pays for lost wages, medical bills, and pain and suffering. Property damage liability pays to repair damage to other people’s vehicles, signs, guardrails, utility poles, buildings, and more. South Carolina minimum liability limits are 25/50/25 or a maximum of $25,000 per person and $50,000 per accident for bodily injury expenses and a maximum of $25,000 for property damage expenses.
Beyond liability insurance
Any other coverage you choose is optional. What’s also optional is choosing higher limits on South Carolina’s mandatory coverage.
Many still drive without insurance
Although drivers are supposed to have auto insurance, many drive without it. Or some choose the lowest legal limits and find that amount insufficient to settle all claims. Optional Uninsured/Underinsured Motorist insurance protects you by paying your bodily injury expenses should you find yourself involved with one of these drivers or a hit and run driver.
Collision and Comprehensive
Many drivers also choose to add Collision and Comprehensive to their auto insurance premiums to cover their vehicle’s repair costs. Collision pays when your vehicle is damaged from a collision, either with a stationary object or other vehicle. Comprehensive pays for damage caused by theft, vandalism, an earthquake and other reasons beyond your control. This coverage requires a deductible which is (money you pay out of pocket before the insurance pays any claims.
South Carolina Department of Insurance
You can learn more about auto insurance by visiting the South Carolina Department of Insurance website at http://www.doi.sc.gov or by calling the Department at 800-768-3467.