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Form A-101 SC SUPP Page 1 of 4 (6-2014)
SOUTH CAROLINA SUPPLEMENTAL APPLICATION
INSURANCE COMPANY
MUST be completed if Auto Liability Coverage is requested
1. Applicant Name
2. DBA, if any
NOTICE: THE INSURER CAN CANCEL THIS POLICY FOR WHICH YOU ARE APPLYING WITHOUT CAUSE DURING THE FIRST 90
DAYS. THAT IS THE INSURER’S CHOICE. AFTER THE FIRST 90 DAYS, THE INSURER CAN ONLY CANCEL THIS POLICY FOR
REASONS STATED IN THE POLICY.
OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE
I. EXPLANATION OF COVERAGES
The State of South Carolina's automobile insurance laws now allow any insurance company to refuse to underwrite your
automobile liability insurance coverage. That refusal may be based upon a number of reasons. Automobile liability insurance
coverage pays other motor vehicle drivers and their passengers whom you damage for the damages which you cause and for
which you are legally responsible. There are two types of automobile liability insurance coverage: bodily injury and property
damage. Bodily injury coverage is a coverage which pays people upon whom your motor vehicle inflicts bodily injury. Property
damage coverage is a coverage which pays people for damages which your automobile causes to their motor vehicles or
property.
Once any insurance company makes the business decision to underwrite your automobile liability insurance coverage,
then it must provide to you at least $25,000 of bodily injury coverage for each person whom you may injure in any single accident
and $50,000 of bodily injury coverage for two or more people whom you may injure in any single accident. The insurance
company must also provide to you at least $25,000 in property damage coverage for each accident which you may cause. You
may have seen these limits described as $25,000/$50,000/$25,000 or 25/50/25. These limits are commonly-known as minimum
limits. If you purchase automobile liability insurance, then, in order to drive your automobile upon the roads of this State, you must
have at least minimum limits.
There is no requirement under the laws of the State that an insurance company which underwrites your minimum limits of
$25,000/$50,000/$25,000 must also agree to underwrite higher than those minimum limits of automobile liability insurance
coverage for you. If your insurance company does agree to offer to you more than the minimum limits, then you will be required to
pay an increased automobile insurance premium for those increased limits of protection.
In addition, under this State's insurance laws, once an insurance company agrees to underwrite your automobile liability
insurance coverage, you must be offered, at your option, two additional automobile insurance coverages which will protect you in
the event you are damaged in an automobile accident by an at-fault automobile driver who either has no automobile insurance or
whose automobile insurance liability limits are less than the damages which you suffer in that accident. These coverages are
legally termed additional uninsured motorist coverage and underinsured motorist coverage. You may see them referred to within
your automobile insurance policy as UM and UIM. If you decide to purchase either of these two optional coverages, then you will
be required to pay an additional automobile insurance premium for each of these additional coverages.
Uninsured motorist coverage compensates you, or other persons insured under your automobile insurance policy, for
amounts which you may be legally entitled to collect as damages from an owner or operator of an at-fault uninsured motor vehicle.
An uninsured motor vehicle is a motor vehicle which either has no liability insurance coverage or is operated by a hit-and-run
driver. By law, your automobile insurance policy automatically must provide uninsured motorist coverage of
$25,000/$50,000/$25,000. All uninsured motorist coverages provide for a $200 deductible for property damage claims.
You also have the right to buy additional uninsured motorist coverage, in various limits, up to the limits of the liability
coverage which you will carry under your automobile insurance policy. Some of the more commonly-sold limits of additional
uninsured motorist coverage, together with the additional premiums which you will be charged, have been printed by your
insurance company upon this Form. If there are other limits in which you are interested, but which are not shown upon this Form,
then fill-in those limits in the blanks provided. If your insurance company is allowed to market those limits within this State, then
your insurance agent will fill-in the amounts of increased premium.