South Carolina drivers must have three different types of liability coverage, these being property damage liability, bodily injury liability, and uninsured and underinsured liability insurance coverage. These types of liability insurance coverage help protect the South Carolina drivers if they are responsible for an accident that causes personal injury or property damage. By having these various types of insurance in place, the South Carolina driver is protected from paying a number of expenses associated with the accident. Some of the expenses covered by this insurance include lost wages, medical expenses, and pain and suffering.
Drivers in South Carolina are also required to carry underinsured and uninsured coverage. This type of coverage helps to protect the driver if he or she is involved in an accident with another driver and does not have insurance or does not have an adequate amount of insurance.
In South Carolina, the minimum amount of required liability insurance that a driver must have is 15/30/10. This means drivers in South Carolina are responsible for carrying at minimum of $15,000 in coverage per person for injuries sustained from the accident. South Carolina drivers are also required to carry $30,000 in bodily injury coverage per accident.
Bodily Injury Liability, which is referred to as BI for short, is a type of liability insurance that covers the driver if someone is injured from an accident caused by the insured driver. This insurance also covers the expenses associated with a person’s death if this should occur as the result of the accident. Bodily Injury Liability insurance is used for these expenses for the driver of any other vehicle involved in the accident as well as any passengers or pedestrians that may have been hurt or killed. Bodily Injury Liability coverage must offer at least $15,000 worth of coverage per person and $30,000 per accident.
Property Damage insurance, or PD for short, is a type of liability insurance that covers the expenses associated with replacing or repairing any property that was damaged from an accident that was caused by the insured driver. Property damage insurance may cover the cost of paying for the repair or replacement of the vehicle that was driven by the other driver or any additional property that may have been damaged because of the accident. South Carolina law mandates that this type of insurance provide at least $10,000 worth of coverage per accident.
South Carolina drivers must also carry Uninsured and Underinsured Motorists Protection. This insurance must provide $15,000 worth of coverage per person and $30,000 worth of coverage per accident. This insurance helps the insured driver if he or she is injured by a hit and run driver, by someone without insurance, or by someone with an inadequate amount of coverage.
Drivers in South Carolina must present proof of auto insurance coverage before they can register their vehicles with the state. They must also show proof of coverage in order to legally drive. This can most easily be accomplished by simply carrying their temporary proof of insurance card, which is issued by the insurer. There are other methods of showing proof, however, including showing the actual insurance policy.