SC and GA Auto Insurance Requirements

Papay Insurance Auto Insurance

Did you know that each state has different requirements for car insurance? They do! When choosing your auto insurance coverage it is important to know what is required by your resident state in terms of coverage minimums and specifics. Papay Insurance covers residents of both South Carolina and Georgia. We make sure we understand each state’s laws on automobile insurance so we can best guide you on which auto policy you need.

In both South Carolina and Georgia auto insurance requirements mandate that drivers carry liability insurance coverage.

The minimum liability coverage limits for auto insurance in South Carolina and in Georgia are both the same and are often abbreviated as 25/50/25, which means:

$25,000 Bodily Injury Liability per person: This coverage pays for the medical expenses, lost wages, and other damages for each person injured in an accident caused by the insured driver.

$50,000 Bodily Injury Liability per accident: This coverage pays for the total medical expenses, lost wages, and other damages for all persons injured in an accident caused by the insured driver, up to the coverage limit.

$25,000 Property Damage Liability per accident: This coverage pays for the repair or replacement of vehicles or other property damaged in an accident caused by the insured driver, up to the coverage limit.

These are the minimum insurance requirements set by the state of South Carolina and Georgia. Drivers are encouraged to consider purchasing coverage beyond the state minimums, especially if they have valuable assets to protect or want more comprehensive coverage in the event of an accident.

It’s also worth noting that both states operate under a tort system for auto insurance claims. This means that someone must be found to be at fault in an accident, and their insurance company will be responsible for paying for the damages resulting from the accident.

If you are looking for car insurance in either SC or GA we would love to help you find the right auto policy for your circumstances. Give us a call today (843) 476-4805.