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Motorcycle Insurance FAQs

Collision Coverage - South Carolina Motorcycle Insurance

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

Comprehensive Coverage - SC Motorcycle Insurance

Covers damage caused to the insured motorcycle (your motorcycle) 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 motorcycle insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the South Carolina Motorcycle Insurance policy.

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

Bodily Injury Liability

Injuries that you (insured) cause to someone else is covered under this part of a motorcycle insurance policy. The minimum bodily 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 minimums listed below. Contact us at (803) 798- 5754 to discuss what liability coverage amounts you require to meet your family and personal 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 a motorcycle, car, fence, or house, is covered through property damage motorcycle insurance coverage. The minimum coverage amount in South Carolina is $25,000.

Medical Payments Coverage - South Carolina Motorcycle Insurance

Medical payments coverage pays for the medical and funeral expenses for you or others hurt or killed in an accident while riding on or driving your motorcycle. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding on another motorcycle. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is not a required South Carolina Motorcycle Insurance coverage.

Uninsured Motorist Coverage - South Carolina Motorcycle Insurance

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

Example of uninsured motorist limits:

20/40 20=$20,000 - 40=$40,000 First number = uninsured motorist maximum for one person injured in an accident. Second number = uninsured motorist maximum for all injuries in one accident.

Underinsured Motorist Coverage - SC Motorcycle Insurance

This coverage comes into play when an at-fault driver has auto or motorcycle liability insurance, but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage

This type of motorcycle insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The motorcycle insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required South Carolina motorcycle insurance coverage.

Underinsured Motorist Property Damage Coverage

Protects you if your motorcycle is damaged in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in South Carolina.      

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