SC

South Carolina Insurance Regulations

Consumer rights and insurance laws in South Carolina

Overview

South Carolina Department of Insurance regulates the insurance marketplace and assists consumers. The state requires uninsured motorist coverage on all policies, providing additional protection when the at-fault party lacks adequate insurance.

Key Insurance Regulations in South Carolina

  • Modified comparative fault — barred at 51% or more fault
  • 3-year statute of limitations for personal injury and property damage
  • Mandatory auto insurance: 25/50/25 minimum liability with uninsured motorist

Filing an Insurance Complaint in South Carolina

If you believe your insurance company has acted unfairly or violated South Carolina insurance laws, you can file a complaint with the South Carolina Department of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The South Carolina Department of Insurance typically responds to complaints within 30 days.

South Carolina Department of Insurance

Insurance Commissioner: Michael Wise

Phone: (803) 737-6160

Website: https://doi.sc.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in South Carolina

Yes, against the at-fault driver. South Carolina courts have long measured car damage as the cost of repairs plus any value the car still lost, though the state Supreme Court held in Schulmeyer v. State Farm (2003) that a standard collision policy does not owe that extra amount. You have three years to sue for injuring goods or chattels (S.C. Code § 15-3-530), and under South Carolina's modified comparative negligence rule you recover only if your fault is not greater than the other driver's.

Read the South Carolina diminished value guide

Insurance Claim Guides for South Carolina

Browse our detailed insurance claim guides tailored specifically to South Carolina laws and regulations.

Auto Insurance Claims in South CarolinaHome Insurance Claims in South CarolinaHealth Insurance Appeals in South CarolinaInsurance Denial Letter Templates in South CarolinaDemand Letter Guide in South CarolinaInsurance Settlement Calculator Guide in South CarolinaDiminished Value Claims in South CarolinaTotal Loss Dispute Guide in South CarolinaBad Faith Insurance Claims in South CarolinaUnderinsured Motorist Claims in South CarolinaUninsured Motorist Claims in South CarolinaRental Car Insurance Coverage in South CarolinaGAP Insurance Claims in South CarolinaInsurance Subrogation Explained in South CarolinaPIP (Personal Injury Protection) Guide in South CarolinaBodily Injury Claims in South CarolinaProperty Damage Claims in South CarolinaLiability Claim Process in South CarolinaComprehensive Insurance Claims in South CarolinaCollision Insurance Claims in South CarolinaFlood Insurance Claims in South CarolinaFire Insurance Claims in South CarolinaTheft Insurance Claims in South CarolinaVandalism Insurance Claims in South CarolinaAuto Glass Insurance Claims in South CarolinaHail Damage Insurance Claims in South CarolinaWind Damage Insurance Claims in South CarolinaWater Damage Insurance Claims in South CarolinaMold Insurance Claims in South CarolinaRoof Damage Insurance Claims in South CarolinaFoundation Damage Claims in South CarolinaSinkhole Insurance Claims in South CarolinaEarthquake Insurance Guide in South CarolinaHurricane Insurance Claims in South CarolinaTornado Damage Insurance Claims in South CarolinaLightning Damage Insurance Claims in South CarolinaTree Damage Insurance Claims in South CarolinaFence Damage Insurance Claims in South CarolinaAppliance Breakdown Claims in South CarolinaIdentity Theft Insurance Claims in South CarolinaCyber Insurance Claims in South CarolinaPet Insurance Claims in South CarolinaTravel Insurance Claims in South CarolinaLife Insurance Disputes in South CarolinaDisability Insurance Claims in South CarolinaWorkers' Compensation Claims in South CarolinaLong-Term Care Insurance Claims in South CarolinaDental Insurance Appeals in South CarolinaVision Insurance Claims in South CarolinaPrescription Drug Appeals in South CarolinaAccident Scene Documentation in South CarolinaInsurance Adjuster Tactics in South CarolinaDiminished Value Calculator Guide in South CarolinaTotal Loss Vehicle Valuation in South CarolinaCCC Valuation Report Explained in South CarolinaPain and Suffering Calculation in South CarolinaMedical Bills in Auto Claims in South CarolinaLost Wages Insurance Claims in South CarolinaFiling a Bad Faith Insurance Lawsuit in South CarolinaWhen to Hire a Car Accident Lawyer in South CarolinaInsurance Claim Timeline Guide in South CarolinaIndependent Vehicle Appraisal Guide in South CarolinaAppraisal Clause in Auto Insurance in South CarolinaDiminished Value by State in South CarolinaTotal Loss Threshold by State in South CarolinaRental Car After an Accident in South CarolinaYour Rights During Car Repairs in South CarolinaOEM Parts in Insurance Claims in South CarolinaInsurance Negotiation Tactics in South CarolinaDemand Package for Auto Claims in South CarolinaCommon Insurance Claim Denial Reasons in South CarolinaStatute of Limitations for Auto Claims in South CarolinaFiling Claims in No-Fault States in South CarolinaAt-Fault Accident Claims in South CarolinaComparative Negligence in Claims in South CarolinaUninsured Motorist Property Damage in South CarolinaHit and Run Insurance Claims in South CarolinaParking Lot Accident Claims in South CarolinaRideshare Accident Insurance Claims in South CarolinaCommercial Vehicle Accident Claims in South CarolinaDeer Collision Insurance Claims in South CarolinaFlood Car Damage Claims in South CarolinaCatalytic Converter Theft Claims in South CarolinaCar Break-In Insurance Claims in South CarolinaTire Blowout Accident Claims in South CarolinaPothole Damage Insurance Claims in South CarolinaHail Damage Car Claims in South CarolinaHow to Review Your Auto Insurance Policy in South CarolinaAuto Insurance Coverage Gaps in South CarolinaMulti-Vehicle Accident Claims in South CarolinaDisputing Fault Determination in South CarolinaFiling an Insurance Commissioner Complaint in South CarolinaNegotiating Diminished Value Claims in South CarolinaFighting a Total Loss Declaration in South CarolinaBodily Injury Settlement Guide in South CarolinaInsurance Fraud Prevention Guide in South CarolinaSubstandard Auto Repair Claims in South CarolinaTotal Loss Buy-Back Process in South CarolinaInsurance Claims After a DUI in South CarolinaCommercial Auto Insurance Claims in South CarolinaStorage Unit Insurance Claims in South Carolina

Other State Insurance Regulations

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