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SOUTH CAROLINA AUTO INSURANCE GUIDE

South Carolina UM/UIM Stacking, Class I/Class II Insureds & Multiple Policies

South Carolina stacking rights depend heavily on whether the claimant is a Class I insured, generally a named insured or resident relative, or a Class II insured whose status arises from occupancy or use of the covered vehicle. Class I insureds may have broader stacking rights, while Class II insureds generally do not stack coverage beyond the involved vehicle.

  • Classify the claimant under each policy before calculating available UM/UIM limits.
  • Identify every vehicle and every policy under which the claimant may qualify as an insured.
  • Apply statutory limits and current South Carolina case law to stacking across vehicles and policies.
  • Do not assume identical stated limits produce identical recoveries for Class I and Class II insureds.

Primary South Carolina Source

S.C. Code Title 38, Chapter 77 — UM/UIM and Stacking

Current-law review: September 17, 2026. Classification and policy language must be determined before applying stacking rules.