Let’s cover the basics of auto insurance coverage in South Carolina here. There are essentially two types:
Car insurance that covers damage to your car & other property
Car insurance that covers your injuries, time out of work, and other damages
Type 1) Car Insurance Covering Damage to Your Car & Property
In South Carolina, all drivers are required to purchase Property Damage Liability and Uninsured Motorist Insurance, and also have the option to purchase additional Collision Insurance, Comprehensive Insurance, and Underinsured Motorist Insurance. These types of insurance cover expenses related to vehicle and property damage.
Type 2) Car Insurance Covering Injuries, Time out of Work, and Other Damages
All South Carolina drivers are required to purchase Bodily Injury Liability Insurance and Uninsured Motorist Insurance and have the option to purchase additional medical coverage via Underinsured Motorist Insurance and Personal Injury Protection (PIP) Insurance. PIP, also called MedPay and Medical Pay, provides additional medical coverage in the event of an accident regardless of whose fault the accident was. These types of insurance cover personal injury-related medical expenses.
Below is a summary chart which lays out the different types of required and optional auto insurance that covers personal injuries and related damages in South Carolina.