Frequently Asked Questions

Drivers are required to carry liability and uninsured motorist coverage with the following limits:  $25,000 Bodily Injury Per Person / $50,000 Bodily Injury Per Accident / $25,000 Property Damage Per Accident

No.  Underinsured coverage (which covers you when the at-fault party in an accident doesn't have enough insurance to pay for all of your losses) is not mandatory in SC.  However, uninsured motorist coverage (which covers you when the at-fault party does not have insurance or causes an accident and leaves the scene) is required in SC.

The South Carolina Department of Transportation (877-349-7190) requires liability and uninsured motorist with limits of 25/50/25 for oversize/overweight vehicles. Also, check with the Public Service Commission at 803-896-5230 for additional information on vehicles for hire such as taxis, buses, etc.

In order to verify that a company offered you the optional underinsured motorist coverage, the company must have a signed form from you confirming whether you do or do not want the optional coverage. The form may also provide the option for you to increase the amount of coverage you have for liability and uninsured motorist coverage in addition to offering you the underinsured motorist coverage. You are required to fill out the form and return it to the company for their records; otherwise, the company will add the underinsured motorist coverage to your policy and rate you for the coverage. The South Carolina Department of Insurance does not have a copy of your form, so if you have additional questions, you should contact your insurance agent for further clarification.

Yes, as of 3/1/99, there is no mandate to write automobile insurance. You must shop around to find a company that will insure you. If you cannot find a company to insure you, then you will need to contact the Associated Auto Insurers Plan of South Carolina (AAIPSC) at 866-560-4100.

• There is no "free" glass coverage in South Carolina; however, if an insured has comprehensive coverage on their auto policy, in accordance with South Carolina law (SC Code Code of Laws Section § 38-77-280(B)), the deductible for glass coverage is waived. You must have comprehensive coverage on that vehicle for the insurer to replace the windshield. In that case, the deductible for comprehensive claims will be waived.

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Yes.  Agents provide quotes based on the information you provide them at the time of the quote.  They can start your policy based off that quote, but the company does a more thorough review of driving records, accident history, payment history, etc. and determines the final rate based on the individual company’s rating plan.