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South Carolina Car Insurance (SC)The State of South Carolina requires car insurance that covers your liability in the case of an accident where you are at fault. Your liability responsibility falls into two categories: bodily injury and property damage. For bodily injury, the mandatory minimum coverage is $15,000 for an individual and $30,000 per incident. This means that your policy will pay up to $15,000 in injury-related costs for any one person and up to $30,000 for injuries to all of the other car's occupants. Also required is $10,000 in property damage liability, which pays for damage to the other car if you are at fault.Get a FREE car South Carolina (SC) insurance quote today >> South Carolina Minimum Insurance State Requirements (SC)These are the only requirements for insurance covering a private car. For other types of vehicles, the state may require uninsured and underinsured motorist insurance. This is coverage for you, your passengers and your car if you are in an accident that is not your fault and the other driver is either uninsured or has insufficient insurance to cover your expenses. The minimums for this coverage are the same as the required liability insurance: $15,000 and $30,000 for bodily injury and $10,000 for property damage. Within the state's mandated car insurance, there is no coverage for you and your car in an accident that is your fault. Collision and comprehensive coverage will pay for damages to your car. Collision coverage pays for your auto repairs resulting from an accident that is your fault. Comprehensive coverage pays for damage to your car from events other than accidents, such as storm or fire damage, theft, or vandalism. Medical payments insurance is a standard car insurance option that pays injury related costs for you and your passengers regardless of who is at fault. This coverage may include not only emergency room and hospitalization, but may extend to reimbursement for lost work time, in-home care and other post-trauma expenses. The coverage elements contained depend on the individual policy. Additional Coverage Options in South CarolinaOther car insurance options include coverage for the cost of towing your vehicle, as well as insurance that pays for the cost of a rental car while your vehicle is in the shop. These are perks that you may or may not wish to pay premiums for. The critical element in assembling your car insurance policy is providing sufficient protection for you and your passengers and enough coverage to get your car back on the road if it is badly damaged.
* Cars-Insured.net is not a broker, insurance agent, or carrier. The content on the site is for informational purposes only. Products and services described may not be available in all states. |
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