In South Carolina, it is mandated that drivers have coverage for
bodily injuries of at least $25,000 per involved person and $50,000
per accident, and property damage coverage of at least $25,000 per
Basic Liability Coverage
Basic liability is a required type of South Carolina auto insurance.
If you want to drive legally in this state, you will need to have
basic liability coverage before you get behind the wheel, which is
true in every state. This covers the other driver, any passengers
riding with them and their vehicle if you are at fault for an
accident. Collisions and the related bills are frequently more
expensive than that, though, so additional coverage is advisable.
Comprehensive and Collision Coverage
A South Carolina auto insurance policy with comprehensive and
collision protection will cover much more than a basic liability
policy. The collision coverage will take care of your expenses
following an accident, including repairs and rental car costs. The
comprehensive coverage will cover more than just collisions - it will
also cover theft, vandalism, windshield damage and fire damage. You
can even customize the monthly payments for an Acceptance policy with
comprehensive and collision coverage by choosing a higher or lower
deductible, so you can balance the coverage you want with the
requirements of your budget.
Uninsured or Underinsured Motorist Coverage
Uninsured or underinsured motorist coverage may not be required in
South Carolina, but drivers are strongly advised to add this type of
coverage to their auto insurance policies. Uninsured/underinsured
motorist coverage will protect you from financial harm if you are in a
collision with someone driving with no insurance or an insufficient
amount of coverage. Acceptance carries uninsured and underinsured
coverage for bodily injury and property damage, so you can rest
assured you're covered.