STATE LAW – SOUTH CAROLINA LIBRARY – GUIDE 05
South Carolina Uninsured & Underinsured Motorist Coverage
South Carolina requires uninsured-motorist coverage at least at the statutory minimum limits. Underinsured-motorist coverage is optional, but insurers must offer it up to the insured’s liability limits in the manner required by statute.
- Obtain the declarations page, UM/UIM endorsements and all optional-coverage offer forms.
- Distinguish mandatory UM from optional UIM.
- Identify whether the claimant is a Class I or Class II insured because stacking rights differ materially.
- Review settlement, notice and subrogation requirements before releasing an at-fault driver.
Primary South Carolina Source
S.C. Code Title 38, Chapter 77 — Automobile Insurance
Current-law review: September 17, 2026. UM/UIM recovery depends on insured classification, policy structure and statutory offer compliance.
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