STATE LAW – SOUTH CAROLINA LIBRARY – GUIDE 06
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.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official South Carolina sources
South Carolina Legislature · South Carolina Department of Insurance · South Carolina Judicial Branch