South Carolina's Auto Insurance Law: What’s Covered and What’s Not

South Carolina's Auto Insurance Law: What’s Covered and What’s Not

Understanding South Carolina's auto insurance law is essential for every driver in the state. The minimum requirements can often lead to confusion about what is covered in the event of an accident and what isn’t.

South Carolina operates under a "fault" system when it comes to auto insurance. This means that the driver who is deemed at fault for the accident is responsible for covering damages, either through their insurance or out of pocket. Here’s a breakdown of what is required and what you can expect from auto insurance policies in South Carolina.

Minimum Coverage Requirements

As per South Carolina law, all drivers must carry a minimum level of auto insurance to be legally compliant. The minimum liability coverage required includes:

  • $25,000 in bodily injury liability per person: This covers medical expenses for injuries that you cause to another person in an accident.
  • $50,000 in bodily injury liability per accident: This is the total limit for multiple injuries resulting from one accident.
  • $25,000 in property damage liability: This covers the costs of damage to another person’s property that you may cause while driving.

It’s important to note that these minimum requirements are just a baseline, and many experts advise purchasing additional coverage for better financial protection.

What’s Covered Under Your Policy

In addition to the minimum liability coverage, drivers can opt for additional types of insurance that enhance protection:

  • Collision Coverage: This covers damages to your vehicle after a collision, regardless of who is at fault.
  • Comprehensive Coverage: This protects against non-collision-related incidents, such as theft, vandalism, or natural disasters.
  • Medical Payments Coverage: This helps cover medical expenses for you and your passengers, regardless of fault.
  • Uninsured/Underinsured Motorist Coverage: This is vital for protection in case of an accident with a driver who has insufficient or no insurance.

What’s Not Covered

While having insurance is crucial, there are instances when certain damages or situations are not covered. Here are some common exclusions:

  • Intentional damage or illegal activities: If the accident occurred while participating in an illegal activity or if the damage was intentional, the insurance will likely not cover it.
  • Wear and tear: General maintenance issues and regular wear and tear on your vehicle are not covered under auto insurance.
  • Rental car expenses: Unless you have specific coverage for it, rental car fees after an accident may not be covered.

Conclusion

Being informed about South Carolina's auto insurance law is crucial for drivers in the state. Understanding what is covered and what is not can help ensure that you are adequately protected in the event of an accident. Always consider additional coverage options to enhance your financial security and consult with an insurance professional to tailor a policy that best fits your needs.

Stay safe on the roads and ensure you're compliant with the state laws to avoid penalties and protect your assets.