South Carolina Minimum Insurance Requirements

State Minimum Auto Insurance Requirements in South Carolina

In South Carolina, it is illegal to drive without liability coverage. The minimum insurance requirements include:

1. Bodily Injury and Property Damage Liability:

   • Liability insurance for bodily injury covers claims made by other people injured in an accident where you are at fault.

   • The minimum limits in South Carolina are:

     • $25,000 per person for bodily injury.

     • $50,000 per accident for all persons injured.

     • $25,000 for property damage (covers damage to others’ property).

2. Personal Injury Protection (PIP):

   • PIP coverage pays for medical expenses resulting from injuries sustained in an accident, regardless of fault.

3. Uninsured/Underinsured Motorist Coverage:

   • South Carolina requires uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25).

   • Underinsured motorists coverage pays for your injuries or property damage if the at-fault driver does not have enough insurance to cover your damages or medical bills.

Remember to carry proof of insurance while driving. For personalized assistance, consider reaching out to local insurance agents in South Carolina:

1. Jason Watkins - Allstate Insurance Agent

   • Address: 3400 Jefferson Davis Hwy, Sanford, NC 27332

   • Phone: (919) 708-7030

   • Visit Website

2. Carolina Insurance Solutions

   • Address: 17206 Lancaster Hwy Ste 506, Charlotte, NC 28277

   • Phone: (704) 248-6100

   • Visit Website

Remember, having the right insurance coverage not only ensures compliance with state laws but also provides financial protection in case of accidents123.

If you are a driver in South Carolina, you need to have auto insurance that meets the state's minimum requirements. This blog post will explain what those requirements are, why they are important, and how you can find the best policy for your needs.

What are the minimum auto insurance requirements in South Carolina?

According to the South Carolina Department of Insurance, the minimum auto insurance requirements in South Carolina are:

- $25,000 for bodily injury liability per person

- $50,000 for bodily injury liability per accident

- $25,000 for property damage liability per accident

- 25/50/25 for uninsured motorist coverage (equal to liability coverage) plus a deductible of $200

Bodily injury liability covers the medical expenses and lost wages of other people who are injured in an accident that you cause. Property damage liability covers the repair or replacement costs of other people's property that you damage in an accident that you cause. Uninsured motorist coverage pays for your own medical expenses and property damage if you are hit by a driver who does not have insurance or does not have enough insurance to cover your losses.

Why are these requirements important?

These requirements are important because they protect you from the financial consequences of being involved in an accident. If you do not have enough insurance to cover the damages that you cause, you could be sued by the other party and face legal fees, court costs, and judgments. You could also lose your driving privileges and face fines and penalties from the state.

Having enough insurance also protects you from being underinsured. If you are hit by a driver who has less insurance than you need to cover your losses, you could end up paying out of pocket for the difference. This could put a strain on your finances and affect your quality of life.

How can you find the best policy for your needs?

The minimum auto insurance requirements in South Carolina are just that - minimums. They may not be enough to cover all your needs and preferences. You may want to consider adding more coverage to your policy, such as:

- Collision coverage: This pays for the repair or replacement of your own vehicle if it is damaged in an accident that you cause or with an object.

- Comprehensive coverage: This pays for the repair or replacement of your own vehicle if it is damaged by something other than a collision, such as fire, theft, vandalism, or natural disasters.

- Medical payments coverage: This pays for your own medical expenses regardless of who is at fault in an accident.

- Personal injury protection (PIP) coverage: This pays for your own medical expenses and lost wages regardless of who is at fault in an accident. It also covers other expenses related to your injury, such as funeral costs and childcare.

- Gap coverage: This pays for the difference between what you owe on your vehicle loan or lease and what your vehicle is worth if it is totaled in an accident.

To find the best policy for your needs, you should shop around and compare quotes from different insurers. You should also consider factors such as customer service, claims handling, discounts, and reviews. You can use online tools and resources to help you find the best policy for your needs.

Conclusion

Auto insurance is a legal requirement and a financial protection in South Carolina. You should make sure that you have a policy that meets the state's minimum requirements and suits your needs and preferences. By doing so, you can drive with confidence and peace of mind.