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N-3570 (10/15)
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SUPPLEMENTARY COMMERCIAL AUTOMOBILE APPLICATION
OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE
AND OPTIONAL UNDERINSURED MOTORIST COVERAGE
SOUTH CAROLINA
Automobile liability insurance coverage pays other motor vehicle drivers and their passengers for damages caused by
you and for which you are legally responsible. There are two types of automobile liability insurance coverage: bodily
injury and property damage. Bodily injury coverage pays for bodily injuries to others inflicted by your motor vehicle.
Property damage coverage pays for damages which your motor vehicle causes to other motor vehicles or property.
Under South Carolina law, an insurance company may refuse to write your automobile liability insurance for a number of
reasons. If an insurance company decides to write your automobile liability insurance coverage, however, it must
provide 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 at least $25,000 in property damage coverage for each accident 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. In order to drive your automobile upon the roads of this State, you must have a least these minimum
limits of insurance, unless you post a satisfactory bond or pay a $550 fee to drive uninsured. There is no requirement
that an insurance company offer higher than minimum limits of automobile liability insurance coverage. If your
insurance company does offer more than the minimum limits, you will be required to pay an additional premium for
those increased limits of protection.
An insurer that writes your automobile liability insurance coverage must also offer two additional coverages which will
protect you in the event you are damaged in an automobile accident by an at-fault driver who either has no automobile
insurance or whose automobile insurance liability limits are less than your damages in that accident. These coverages
are termed additional uninsured motorist coverage and optional underinsured motorist coverage, respectively. You may
also see them referred to as UM and/or UIM. If you decide to purchase either of these coverages, you will be required to
pay an additional premium for each of these coverages.
Uninsured motorist coverage compensate 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 provides uninsured motorist
coverage of $25,000/$50,000/$25,000. There is a $200 deductible for uninsured 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 you have purchased. The limits of additional uninsured motorist coverage which your insurance company is
authorized to write and for which you are eligible are shown on this form, together with the additional premium for those
increased limits. You may not purchase uninsured motorist coverage with limits in excess of your liability limits.
Underinsured motorist coverage compensates you, or other persons insured under your automobile insurance policy,
for amounts which you legally may be entitled to collect as damages from an owner or operator of an at-fault
underinsured motor vehicle. An underinsured motor vehicle is a motor vehicle which is covered by some form of liability
insurance, but which is insufficient to fully compensate you for your damages.
Your automobile insurance policy does not automatically provide any underinsured motorist coverage. However, you
have the right to buy, and your insurance company is required to offer, optional underinsured motorist coverage in
various limits up to the limits of liability coverage you have purchased. The limits of optional underinsured motorist
coverage which your insurer is authorized to write and for which you are eligible are shown on this form, together with
the additional premium for those limits. You may not purchase underinsured motorist coverage with limits in excess of
your liability limits.
