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Boat Insurance FAQs

Collision Coverage - South Carolina Boat Insurance Policy

Covers damage caused to the owners boat from a collision caused by another boat, vehicle, or other object. The deductible is the amount you choose to pay upfront (if any) before the boat insurance policy pays. The higher the deductible chosen the lower the collision coverage cost of the South Carolina boat insurance policy.

Comprehensive Coverage - South Carolina Boat Insurance Policy

Covers damage caused to the insured's boat (your boat) from risks such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the boat insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost of the South Carolina boat insurance policy.

Liability Coverage (Bodily Injury & Property Damage) - South Carolina Boat Insurance

Bodily Injury Liability

Injuries that you (insured) cause to someone else is covered under this part of a boat insurance policy. The minimum liability insurance coverage available for purchase in South Carolina is 25/50 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the South Carolina minimums listed below. Contact us at (803) 798-5754 to discuss what liability coverage amounts you require to meet your needs.

South Carolina Liability Coverage limits explanation:

25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000 First number = bodily injury liability maximum for one person injured in an accident. Second number = bodily injury liability maximum for all injuries in one accident. Third number = property damage liability maximum for one accident.

Property Damage Liability

Damage caused by the insured (you) to someone else's property, such as another boat or dock, is covered through property damage boat insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum required coverage amount in South Carolina is $25,000.

No Fault Coverage (PIP) - South Carolina Boat Insurance Policy

South Carolina does not require (PIP) or personal injury protection coverage. This coverage pays medical bills for injuries suffered in a boat accident regardless of who caused the accident.

Benefits Provided:

80% of medical benefits for all reasonable expenses for necessary medical, surgical, x-ray, dental and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) 80% of necessary remedial treatment (nursing home care or home nursing care) 60% of disability benefits for any loss of gross income and loss of earning capacity from inability to work because of an injury suffered in an accident.

Uninsured Boater Coverage - South Carolina Boat Insurance

Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no liability insurance. This is a required coverage for South Carolina Boat Insurance. Contact us at (803) 798-5754 to discuss what uninsured coverage amounts you require to meet your family or personal needs.

Example of Uninsured limits:

100/300 100=$100,000 - 300=$300,000 First number = uninsured boater maximum for one person injured in an accident. Second number = uninsured boater maximum for all injuries in one accident

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