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South Carolina Auto Insurance Laws
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South Carolina Auto Insurance Laws

If you plan to be out driving the open roads, you have to have auto insurance in South Carolina. Direct Auto Insurance offers the right amount of coverage help you meet South Carolina's financial responsibility requirements. 

If you live or are moving to South Carolina, here’s the required amount of auto insurance you will need to drive legally on the roads.

South Carolina Car Insurance Requirements

South Carolina law requires that you have financial responsibility on all your registered vehicles and that you carry proof in all vehicles. The easiest way to maintain financial responsibility is with car insurance. The minimum liability limits required for car insurance in South Carolina are:

  • Bodily Injury Liability coverage of at least $25,000 to cover injury to or death of any one person that results from an auto accident, and $50,000 to cover injuries or death to more than one person resulting from a single auto accident.
  • Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.

In addition to liability coverage, minimum uninsured motorist coverage (UM) limits of $25,000/$50,000/$25,000 are automatically provided by your insurance company.  If you purchase higher than the minimum finance responsibility limits, you can purchase higher UM limits. Underinsured motorist coverage (UIM) is not automatically included in your policy. You have the right to purchase UIM coverage up to the level of your liability limits if you choose.  

South Carolina Motorcycle Insurance Laws

If you cruise the roads of South Carolina on your motorcycle, you have to have liability insurance. The required motorcycle financial responsibility requirements in South Carolina are the same as car insurance requirements:

  • Bodily Injury Liability coverage of at least $25,000 to cover injury or death to any one person that results from an auto accident, and $50,000 to cover injuries to or death of more than one person resulting from a single auto accident.
  • Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.

Not all motorcycle insurance policies in all states cover passengers. Never assume that motorcycle guest passengers are automatically covered by motorcycle liability insurance. In fact, motorcycle passengers are not covered by default under many motorcycle liability insurance policies. Motorcycle Guest Passenger Liability (GPL) must be purchased in order to cover your passenger. This coverage will cover passengers if you are found to be liable or legally at fault.

Always practice safety precautions with a motorcycle. Safety gear and safe driving are important when riding a motorcycle. For more information, check out our motorcycle safety tips.

If you have more questions about the auto insurance laws in South Carolina, feel free to visit one of our knowledgeable agents at a Direct South Carolina location near you, visit us at Directgeneral.com, or call at 1-877-GO-Direct (1-877-463-4732).


 
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