![]() These two coverages are optional to purchase.Ĭollision coverage pays for physical damage to your car as the result of your auto colliding with an object, such as a tree or another car. ![]() The most common types are collision coverage and comprehensive coverage. Physical damage is auto insurance coverage that insures against damage to the insured's own vehicle. Auto insurers are required to offer you underinsured motorists coverage in South Carolina, but you are not required to purchase it. Underinsured motorists coverage is similar to uninsured motorist coverage, but pays for your injuries or property damage if the at-fault driver does not have enough insurance to cover your damages or medical bills. South Carolina law requires you to carry uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25). This coverage pays if you are injured and/or your property is damaged by a hit-and-run driver or an uninsured driver. Uninsured motorists coverage protects the policyholder directly. The minimum limit in South Carolina is $25,000 for all property damage in one accident. This not only includes damages to other vehicles but also other property, such as buildings, walls, fences, and equipment. Property damage liability insurance pays for any damage you cause to the property of others. Claims for bodily injury may include medical expenses, lost wages, and pain and suffering. South Carolina requires you to carry a minimum of $25,000 per person for bodily injury and $50,000 for all persons injured in one accident. Auto insurance is divided into two basic coverages: liability and physical damage.Īuto liability insurance policies contain three major parts under South Carolina Tort law: liability insurance for bodily injury liability insurance for property damage and uninsured/underinsured motorists coverage.īodily injury liability insurance protects you against the claims of other people who are injured in an accident for which you were at fault. ![]() South Carolina law requires that you purchase liability and uninsured motorist coverage to drive legally in the state. All forms of insurance provide protection to consumers by covering certain risks and promising to pay for financial losses caused by these risks.Īuto insurance is one of the most used types of personal insurance. ![]()
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