South Carolina Auto Insurance
What South Carolina requires you to carry, why the minimum leaves gaps, and how we find the right company for your car.
What South Carolina requires you to carry, why the minimum leaves gaps, and how we find the right company for your car.
Liability. Every policy must carry at least $25,000 for injury to one person, $50,000 for all injuries in one accident and $25,000 for property damage.
Uninsured motorist coverage. South Carolina requires uninsured motorist coverage at least equal to those minimums. It pays you when the at-fault driver has no insurance.
Underinsured motorist coverage. Your insurer has to offer it, but it's optional. It pays when the at-fault driver has insurance but not enough to cover your injuries. It's one of the most important coverages to say yes to.
South Carolina uses modified comparative negligence. Since 1991, South Carolina courts have allowed an injured person to recover damages as long as their own negligence is not greater than the other driver's. Your recovery is reduced by your share of the fault. If you're found more at fault than the other driver, you recover nothing from them.
That's different from North Carolina and Virginia, where being even slightly at fault can bar recovery entirely. If you drive in both Carolinas, the rules change at the state line.
$25,000 per person doesn't go far against a hospital stay, and $25,000 in property damage won't replace many newer cars or trucks. Anything over your limit can come after your savings and your wages. Most of the families we insure carry 100/300/100 or more, plus underinsured motorist coverage and an umbrella.
Pays for injuries and damage you cause others. Minimum 25/50/25; we usually recommend more.
Pays you when the at-fault driver has no insurance or not enough. Uninsured is required; underinsured is optional and worth having.
Pays medical bills for you and your passengers no matter who's at fault.
Repairs or replaces your car after a crash, theft, hail, fallen tree or flood.
Keeps you moving while the car is in the shop.
Liability above your auto and home, from $1 million.
We also write motorcycles, RVs, golf carts and classic cars.
Sizemore Insurance is licensed in South Carolina. We don't have an office in the state. We serve South Carolina drivers by phone and online from our North Carolina offices.
Main number: (910) 791-1011
For geography: our Shallotte, North Carolina office sits a short drive from the north end of the Grand Strand, and our Charlotte office is near the York and Lancaster county line.
$25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus uninsured motorist coverage at the same minimum limits.
No. Insurers must offer it, but you can decline it. We recommend carrying it.
No. South Carolina is a tort, or at-fault, state. The driver who causes the crash is responsible, through their liability coverage, for the other driver's injuries and damage.
Usually yes, if your share of fault is not greater than the other driver's. Your recovery is reduced by your percentage of fault.
The SC Department of Insurance says no grace period applies to auto insurance. Pay on time or set up automatic payments.
No. We're licensed in South Carolina and handle quotes, changes and claims help by phone and online.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.