South Carolina Auto Insurance: Mandatory Auto Insurance Coverages

South Carolina Bodily Injury & Property Damage Limits:

Bodily injury limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for bodily injury or death caused by an insured person in an auto accident.

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Property damage limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for damage in an auto accident to the property of other people (e.g. light poles, fences, another vehicle, etc.).

In South Carolina a driver must have a minimum coverage of 15,000 for bodily injury to one person, $30,000 for bodily injury sustained by two or more persons in a single accident, and $10,000 for property damage that results from one accident. To adequately protect yourself, you may want to purchase much more than the minimum amount of coverage required for South Carolina.

Common Exclusions: Bodily injury and property damage coverages apply to injury and damage from normal use of the insured vehicle. Coverages are limited by your policy and there may be some circumstances in which coverage does not apply. For example, in some policies coverage does not apply to:

1. Bodily injury or property damage arising out of the use of your vehicle while transporting people or property for a fee.
2. Injury or damage caused by an intentional act.
3. Injury or damage as a result of operating a vehicle owned by a person covered by your policy, where the vehicle is not listed on your policy.
4. Injury or death of you or a family member.
5. Property owned by, rented by or in the control of an insured person.

Uninsured/Underinsured Motorist coverage (cannot exceed Bodily Injury Section):

This coverage protects you, resident relatives, and occupants of a covered vehicle if any of you sustain bodily injury, including death, which results from an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance or does not have enough insurance. The term uninsured motorist includes hit-and-run drivers. Coverage is also provided for damage to your covered vehicle and may apply to damage to personal property in the covered vehicle, resulting from a covered accident. A $200 deductible may apply in certain circumstances.

1. When your vehicle is being used to transport people or property for a fee.
2. When a covered vehicle is used without the permission of you or a relative.

*Coverage minimums displayed are the minimum available through insurers on Insurance.com.