South Carolina Car Insurance
South Carolina law requires all drivers to purchase auto liability insurance. South Carolina drivers are required to carry a minimum liability insurance of $25,000 per person, $50,000 per accident for bodily injury and $25,000 minimum coverage for property damage.
South Carolina law also requires drivers to purchase Uninsured/Underinsured Motorist ("UIM") insurance coverage with minimum limits of $25,000 per person, $50,000 per accident for bodily injuries and $25,000 for property damage. A driver with UIM is insured up the amount of the UIM limits in the event the driver at fault for the accident does not have insurance or does not have enough insurance to pay for the damages sustained in an accident.
PIP Coverage
In South Carolina, drivers are not required to purchase Personal Injury Protection ("PIP") coverage, but it is a very important form of coverage. It pays for medical bills, lost wages, household services, and funeral expenses following an accident regardless of fault. PIP is the primary form of medical coverage for a car accident. If medical expenses exhaust the PIP limits, the insured can bill additional bills to their health insurer.
Collision and Comprehensive Coverage
Other important insurance coverage types include Collision and Comprehensive coverage. Collision pays for vehicle repairs or vehicle replacement value following a collision regardless of fault. Comprehensive coverage pays for all vehicle repair damage or replacement value for incidents other than a collision such as the car being stolen or a tree falling on a car.
There are minimum deductible limits for these coverage types, but South Carolina drivers can also raise their deductible amounts to lower their premiums. Collision and comprehensive coverage can make a big difference in the event you are in an accident.
Keep Your Car Insurance Current
Each day, hundreds of South Carolina drivers are involved in car accidents. South Carolina drivers should always know when their auto insurance policy expires to avoid a coverage lapse. Without insurance, in addition to facing potential fines, a driver can be financially responsible for all damages caused in an accident, which could amount to hundreds of thousands of dollars. Driving without auto insurance in South Carolina is fiscally irresponsible and can lead to financial ruin.
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