South Carolina operates under an at-fault or tort system, meaning car accidents and car insurance in this state require the at-fault party to bear the financial responsibility. As a driver, this means you must carry enough insurance to cover any accidents you may cause. If you want to claim damages against the driver who hit you, you will have to file a third-party claim. However, it is possible to purchase some first-party insurance policies in South Carolina that function similarly to no-fault policies.
What You Need and What You Can Get
In South Carolina, drivers are required to have a minimum of $25,000 for property damage, $50,000 per accident for injuries, and $25,000 per person for injuries. If you opt for personal injury protection insurance (also known as PIP), it may cover the medical expenses and loss of income of you and passengers in the event of an auto accident, regardless of who was at fault. In a worst-case scenario, it can even cover funeral expenses. It will not cover theft or damages, as these are covered by comprehensive insurance, collision insurance, and the other driver’s liability insurance, respectively. It can come in handy and save you the trouble and expense of a court case to sue the other driver, which you may not win.
Get Insurance in South Carolina and Georgia
If you are in South Carolina or Georgia and are in the market for auto insurance, please contact C & H Insurance Associates LLC. We will connect you with a courteous and knowledgeable agent who will do everything possible to help you find the policy that best suits your needs.
