SC DMV Vehicle Insurance Requirements 1 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage per person required in South Carolina?
- $15,000
- $25,000 (Correct answer)
- $30,000
- $50,000
Correct answer: $25,000
South Carolina law requires a minimum of $25,000 in bodily injury liability coverage per person injured in an accident you cause.
Question 2: What is the minimum property damage liability coverage required in South Carolina?
- $10,000
- $15,000
- $25,000 (Correct answer)
- $50,000
Correct answer: $25,000
South Carolina requires at least $25,000 in property damage liability coverage to pay for damage you cause to another person's property.
Question 3: In addition to liability coverage, what other coverage does South Carolina require all drivers to carry?
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage (Correct answer)
- Medical payments coverage
Correct answer: Uninsured motorist coverage
South Carolina mandates uninsured motorist coverage to protect drivers when they are hit by a driver who has no insurance.
Question 4: What does bodily injury liability insurance pay for?
- Repairs to your own vehicle
- Medical expenses and damages for people you injure (Correct answer)
- Your own hospital bills after a crash
- Theft or vandalism of your vehicle
Correct answer: Medical expenses and damages for people you injure
Bodily injury liability covers the medical expenses, lost wages, and legal costs of other people who are injured in an accident you caused.
Question 5: What is the minimum total bodily injury liability coverage per accident in South Carolina?
- $25,000
- $40,000
- $50,000 (Correct answer)
- $100,000
Correct answer: $50,000
South Carolina requires $50,000 per accident in bodily injury liability, covering all injured parties combined when you are at fault.
Question 6: What is a consequence of being caught driving without liability insurance in South Carolina?
- A verbal warning from the officer
- A small equipment violation fine
- License suspension and substantial fines (Correct answer)
- Mandatory community service only
Correct answer: License suspension and substantial fines
Driving without required insurance in South Carolina results in license suspension and significant fines, along with a reinstatement fee to restore driving privileges.
Question 7: In the shorthand '25/50/25,' what do these three numbers represent for South Carolina auto insurance?
- Monthly premium rates in hundreds of dollars
- Minimum liability coverage limits in thousands of dollars (Correct answer)
- Deductible amounts for each coverage type
- Percentage of coverage paid by the insurer
Correct answer: Minimum liability coverage limits in thousands of dollars
The 25/50/25 notation represents $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage — the SC minimum liability limits.
SC DMV Vehicle Insurance Requirements 1
What is the minimum bodily injury liability coverage per person required in South Carolina?