South Carolina car insurance coverage

Minimum insurance requirements for South Carolina

The minimum amount of South Carolina auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $25,000 for damage to another person’s property.

Liability coverage

Liability coverage provides for your legal defense if a lawsuit is brought against you as a result of a covered accident. As a resident of South Carolina, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

• Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
• Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

Optional South Carolina insurance coverages

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

Comprehensive

This type of South Carolina auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Medical benefits

This insurance may cover reasonable and necessary medical expenses or funerals for you and others who are covered under your policy in an accident, regardless of who is at fault, up to the amount you choose.

Tailor your policy with these options

Accident Forgiveness

With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Coverage for new cars

• Gap covers amount owed above actual cash value (ACV), if purchased or leased vehicle is a total loss, in a covered loss.
• Vehicle value upgrade if your covered vehicle is a total loss, this option provides for a comparable vehicle in ready-to-sell condition (up to 100% MSRP). It does not apply to leased vehicles.
• New car replacement plus if your covered vehicle is a total loss, this coverage provides gap coverage plus protection against depreciation to replace covered vehicle, 0-2 years old with a new vehicle (up to 110% of MSRP on totaled vehicle) or a vehicle 3-5 years old with vehicle in ready-to-sell condition. It does not apply to leased vehicles.

Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use/rental car expense

If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.