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South Carolina Insurance Laws and Regulations

The South Carolina Department of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. The state of South Carolina does not share insurance company complaint information for consumers to reference when shopping for a new insurer.

Important Laws

A summary of the driving safety laws for the state of South Carolina can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of South Carolina.

The South Carolina South Carolina Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in SC allows for homeowners insurance companies to invoke a hurricane deductible when a storm occurs. This type of deductible means you will pay a percentage of your homes value before the insurance company pays for losses.

South Carolina has minimum auto insurance amounts that are required by law. The table below shows the SC minimum car insurance limits.

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.