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This means, in order to operate a vehicle on South Carolina roads you must carry:
$25,000 of Liability Bodily Injury coverage per person injured
$50,000 of Liability Bodily Injury coverage per accident
$25,000 of Property Damage coverage per accident
South Carolina Bodily 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 requires you to carry a minimum of $25,000 per person for bodily injury and $50,000 for all persons injured in one accident. Claims for bodily injury may include medical expenses, lost wages, and pain and suffering.
Property damage liability insurance pays for any damage you cause to the property of others. This not only includes damages to other vehicles but also other property, such as buildings, walls, fences, and equipment. The minimum limit in South Carolina is $25,000 for all property damage in one accident.
Uninsured motorists coverage protects the policy holder directly. This coverage pays if you are injured and/or your property is damaged by a hit-and-run driver or a driver who does not have auto insurance. There is a $200 deductible by law.
Purchasing insurance in South Carolina is simple if you have no violations, DUI’s or accidents. Once you are classified as a high risk driver you need to find licensed professional that provide drivers the choice of insurance companies serving their area. The average yearly cost for a preferred or normal driver to obtain South Carolina automobile insurance is $1,001. If you have tickets, a DUI or several accidents in the last 5 years it will cost you more.