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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

South Carolina Insurance Guide

South Carolina has an interesting history of independence. They were the first state to secede from the union before the Civil War and they were the founding state of the Confederacy. When it comes to insurance regulations for its residents, South Carolina has a few unique requirements.

South Carolina Auto Insurance

South Carolina auto insurance regulations require uninsured motorist coverage, bodily injury liability and property damage liability. The at-fault state does not require personal injury protection (PIP). Their requirements are:

  • $25,000 in bodily injury liability for single-person accidents and $50,000 for multiple
  • $25,000 for property damage liability

South Carolina Health Insurance

South Carolina health insurance regulations do not require health insurers in the state to guarantee the issue of health insurance policies to individuals. The state does have a high-risk pool for eligible individuals and does allow health savings account (HSA) contribution deductions from state income taxes.

Small groups in South Carolina must consist of at least 2 individuals and there is no guarantee of coverage if any individual with a pre-existing condition had a 63 day or longer break in coverage over the past 6 months. They could face a pre-existing condition exclusion of up to 12 months. Group rates are restricted by rate bands.

South Carolina Home Insurance

South Carolina residents are not required by the state to have South Carolina home insurance, but residents should be careful to have adequate coverage for floods, hurricanes and tornadoes whether or not their lender or the state require it.

South Carolina Life Insurance

The South Carolina Life Accident and Health Insurance Guaranty Association (SCLAHIGA) was created in 1972 to ensure that South Carolina life insurance customers had some recourse in the event that their insurer became insolvent and could not pay their claims. SCLAHIGA offers up to $300,000 in life insurance death benefits to those beneficiaries who have had a claim unpaid for insolvency. It is unclear what the protection is for life insurance cash values.

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One Response to “South Carolina Insurance Guide”

  1. Every one must follow insurance guide. It very useful to reach wonderful destination.

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