SOUTH CAROLINA Auto Insurance

Minimum Coverage: Minimum car insurance coverage in South Carolina is $15,000. This includes injury liability for one person in an accident. $30,000 is paid for all injuries and $10,000 for property damages. Uninsured or underinsured driver coverage is not mandatory but it will protect you in case you collide with someone who doesn't have adequate South Carolina auto insurance coverage to pay for your losses.

You are required by law to have certain minimum level of coverage:

Mandatory Coverage	Minimum Requirement
Bodily Injury Liability (BI): This insurance coverage will also pay if a member of your family living with you caused the accident, or if a person using your car with your consent caused it.	$15,000 per person $30,000 per accident
Property Damage (PD): Insurance pays for any damage you cause to the property of others, such as a crushed fender, broken glass, or a damaged wall or fence.	$10,000 per accident
Uninsured and Underinsured Motorist Protection: This coverage pays if you are injured by a hit-and-run driver or a driver who does not have auto insurance (uninsured), or whose policy limits are not high enough to cover your injuries (underinsured).	$15,000 per person, $30,000 per accident.

Medical payments, PIP, and no-fault coverage
The expenditure incurred in medical treatment after an accident is covered by Medical Payment Coverage. Personal injury protection (PIP) and no-fault coverage are the two options of medical payments. These are non-compulsory protections, which may or may not be required in your state. Lost wages and childcare are some other extended features of South Carolina auto insurance policy.

State	DUI/ DWI	Young Driver Licensing	Safety belt usage	Motorcycle Helmet use	Red light Camera	Child Restraint Use
SC	Fair	Fair	Marginal	Good	Poor	Poor

South Carolina Auto Insurance Law

The new law is designed to eliminate the subsidy by good risk drivers of high risk and bad risk drivers. The new law began the process of permanently eliminating recoupment fees which all drivers previously paid; the South Carolina Reinsurance Facility was abolished; and insurers were no longer required to write every South Carolina driver's automobile liability insurance coverage. Instead, insurers are now allowed to decide whether or not to sell automobile insurance based upon the individual risk associated with each driver and automobile.

As part of South Carolina auto insurance, you get Bodily injury (BI) liability for your liability to others for injuries to them, while property damage (PD) covers your liability for damage to someone else's assets.

But Comprehensive coverage, uninsured motorist coverage, medical payments and collision insurance are not compulsory in South Carolina However, there is some optional coverage available, which may or may not be compulsory.

Mandatory Requirements:

In South Carolina, auto insurance is a legal requirement and necessary for vehicle registration. Drivers, in this state, need either to have auto insurance or enough cash. If you hit someone in an accident and have no insurance, you have to pay the coverage from your pocket.

In accordance with South Carolina auto insurance law, other acceptable documents to prove insurance include:

1.	A temporary insurance card issued by the insurer.
2.	A premium receipt or insurance binder issued by the motorist's insurance agent.
3.	The current declarations page of a liability insurance policy.
4.	The actual liability insurance policy issued for the vehicle.
5.	A certificate of liability insurance policy issued by either the insurer or an authorized agent.
6.	Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner's permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
7.	A copy of the rental agreement when renting a motor vehicle, which specifies the insurance coverage.

How Auto Insurance Rate Are Determined in South Carolina

As in other states, the price of South Carolina auto insurance is decided by the performance of state drivers all together. Insurance companies take count of the cost including settlement and legal fees and split it up amongst the drivers. But again, the premium paid is not evenly distributed; rather it depends upon how much a certain 'category' of driver costs them. The category is decided upon your driving record, age, location and the class of car you drive.

But this rule varies with company. Your rate can change; depending upon the company you plan to invest on. So the option of checking, bargaining and taking the best policy, lies with you. Just get the South Carolina auto insurance quotes to check the different rates from various companies and select the best auto insurance policy.

 

Why Choose Advantage One Insurance?

Enjoying the freedom and mobility your vehicle provides is part and parcel of the American dream. Our job is to help you protect that dream.