Auto Insurance in South Carolina

Understanding your auto insurance coverage options is crucial to ensure you’re adequately protected on the road. South Carolina’s insurance laws can be complex, but with the proper guidance, you can make informed decisions that suit your needs.

Understanding Insurance Coverage Requirements

In South Carolina, auto insurance requirements include two main types of coverage, including the following:

• Liability insurance may help cover costs associated with third-party injuries or property damage in an accident.

• Uninsured motorist coverage may help provide financial protection if you’re involved in an accident with a driver who doesn’t have insurance or you are the victim of a hit-and-run.

South Carolina insurers must also provide access to underinsured motorist coverage, which can help cover damage to your vehicle and your accident-related injuries if the at-fault driver’s policy doesn’t offer enough coverage. You can choose to decline this coverage.

Determining Your Coverage Needs

While South Carolina mandates minimum coverage limits for liability and uninsured motorist coverage, it’s essential to consider your circumstances. When you work with an independent agent, you get the personalized attention you need to fully understand your car insurance options and make informed choices.

In general, South Carolina’s minimum car insurance requirements may not be enough to cover all expenses in a serious accident. Your agent can advise on whether higher limits are appropriate based on your assets and potential risks.

While uninsured motorist coverage is optional, it can help provide crucial protection against underinsured drivers. Your agent can explain the benefits and help you decide if this coverage is right for you.

If you lease or finance a car, the lienholder can impose additional insurance requirements, including comprehensive and collision coverage, underinsured/uninsured motorist coverage and guaranteed asset protection (GAP). If you own your car outright, these policies are optional. Your agent can help you determine whether full coverage auto insurance, as required by many lienholders, is a good fit for your situation if you own your car outright.

Insurance laws and coverage options can be confusing. The GVL Insurance team is knowledgeable about South Carolina’s specific requirements and can explain your options, including uninsured and underinsured motorist coverage.

Contact Us

Contact GVL Insurance in Greenville, South Carolina, to start building your personalized auto insurance plan.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.