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What auto insurance is mandatory in South Carolina

Auto insurance offers a variety of different types of coverages. Some of them are mandatory, and others are voluntary. At New American Insurance in Lexington, SC, we are independent agents and offer plenty of choices for carriers. With more choices, you can pick a policy that fits your vehicle and your budget. 

South Carolina, like most states, has mandatory auto insurance requirements. It has three-part liability requirements for injury to a person, liability for property damage, and uninsured/ underinsured motorists. If the driver or passenger/passengers in a vehicle accident where you are at fault are injured, you need to have coverage of $25,000 for each person with a total of $50,000 for the entire accident. This can be medical bills, the loss of wages, or suffering and pain. 

The property portion is $25,000 and can be for the other vehicle, but it also covers things like a parked vehicle, fence, or other property damaged as a result of the accident. 

In the case of uninsured motorists, the law in South Carolina protects you. If your vehicle is damaged by a hit and run or an uninsured driver, you must have coverage that is the same as your property damage coverage. Underinsured motorist coverage must be offered to you, but you are not required to carry that coverage. 

The state does not require collision and comprehensive coverage. However, if you lease your vehicle or have an auto loan, chances are the lender or lessor will require that you carry it.  

New American Insurance has the experience residents of Lexington, SC have come to appreciate. For top-quality service and attention to detail, we are the ones to call. Please stop by our office or give us a call to discuss how we can help you find the auto insurance you are looking for. 

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