South Carolina Optional-Coverage Offer Forms, Disclosure & Insurer Duties

South Carolina requires insurers to make statutory offers of optional automobile coverages, including underinsured-motorist coverage. Whether an offer was legally sufficient can determine whether additional coverage is reformed into a policy.

Obtain every signed offer/rejection form and declarations page.
Confirm that the form and offer process complied with the applicable South Carolina statutes and regulations.
Compare the offered limits with the liability limits actually purchased.
Preserve policy-application records and electronic-signature evidence when the validity of an election is disputed.

Current-law review: September 17, 2026. Optional-coverage disputes are form- and process-specific.

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