Liability Insurance

The simple definition is coverage from the insurance company of the person who is at fault. If you are injured in an accident as a result of someone else’s fault, you will be making a claim against their liability insurance coverage. You are entitled to be reimbursed for various things such as your property damage, medical treatment and bills, lost wages and pain and suffering to name a few.
Your liability coverage will cover you or any family member while using any automobile or trailer, and any person using your covered auto with your permission. In South Carolina, every vehicle is required to carry at least 25/50 in liability coverage. This means that if the at-fault driver has minimum coverage, $25,000 is the most any one person injured by a covered driver can receive even if their damages are more (this is why UIM is such an important coverage) or up to $50,000 for all injured parties combined, as a result of a single accident. Thus, is you have 3 people in your car and you all have $20,000.00 in bills, there is only $50,000.00 that you have to split. While 25/50 is the minimum required to be carried, you can also see limits in the amounts of $50,000/$100,000 and $100,000/300,000. The at-fault insurance company is not required to tell you exactly how much coverage their insured driver has to cover them. Having representation by an attorney can open up other avenues to determining whether the coverage is suitable or if you will have to analyze car insurance policies at your home to locate additional coverage.