South Carolina BODILY INJURY
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FAQ
While a number of states follow a "no-fault" system for car accidents, at least when it comes to car insurance, South Carolina isn't one of them. That means anyone who causes a car accident in South Carolina can be held financially responsible for all resulting injuries and property damage.
Bodily injury liability insurance helps pay for someone else's emergency services and hospital care if you cause a car accident. It may also help cover their necessary follow-up doctor visits and other associated costs, like having to buy crutches or a wheelchair.
The 12 states that have no-fault insurance laws are: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. Drivers can opt out of a no-fault policy in Kentucky, New Jersey, and Pennsylvania.
(A) No automobile insurance policy or contract may be issued or delivered unless it contains a provision by endorsement or otherwise, herein referred to as the uninsured motorist provision, undertaking to pay the insured all sums which he is legally entitled to recover as damages from the owner or operator of an
South Carolina is not a no-fault state. This means that the party at-fault is held responsible for motor vehicle accidents, and is required by law to compensate the victim.
No, South Carolina is not a no-fault state for auto insurance. South Carolina is an ?at-fault? or ?tort? state, which means the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage resulting from the accident.
New York is a ?no-fault? insurance state, which means that insureds are generally reimbursed by their insurance company for damages regardless of who was responsible for causing the accident.
SECTION 38-77-10. Declaration of purpose. (4) medical, surgical, funeral, and disability insurance benefits without regard to fault to be offered under automobile insurance policies that provide bodily injury and property damage liability insurance, or other security, for motor vehicles registered in this State.
