SOUTH CAROLINA AUTO INSURANCE GUIDE
Who Is an Insured Under South Carolina Auto Insurance?
Insured status can differ by coverage. Liability, UM, UIM, MedPay and other policy parts may define insured persons differently, and South Carolina stacking rights can depend on whether the claimant is a Class I or Class II insured.
- Named insureds and resident relatives.
- Permissive users and occupants.
- Persons protected by UM/UIM provisions.
- Class I and Class II status for stacking analysis.
Publication review note — September 17, 2026. Verify the actual policy and current South Carolina statutes and case law before publication.
VictimsGuide 