The Law of Automobile Insurance in SC (SCBar)

Chapter 1 Regulation of the Automobile Insurance Business

• I. Introduction
• II. Automobile Insurance Regulation in South Carolina
• III. South Carolina Financial Responsibility Requirements

Chapter 2 Liability Insurance

• I. General
• II. Persons Defined as Insureds
• III. Ownership, Maintenance or Use Requirement
• IV. Accident Requirement

Chapter 3 Uninsured Motorist Coverage

• I. Background of the Uninsured Motorist Act
• II. Persons Covered by Uninsured Motorist Coverage
• III. Covered Accidents
• IV. Definition of an "uninsured Motor Vehicle"
• V. Coverage for Hit-and-run Accidents
• VI. Policy Exclusions
• VII. Benefits
• VIII. Regulation of Multiple Coverages
• IX. Burden of Proof
• X. Subrogation
• XI. Premium
• XII. Actions

Chapter 4 Underinsured Motorist Coverage

• I. Underinsured Motorist Coverage
• II. Method of Offering Coverage
• III. Amount of Coverage Which Must Be Offered
• IV. Length of Coverage
• V. Who Must Be Offered Coverage: State Government
• VI. Loss of Consortium Claims
• VII. Exclusions and Regulation of Multiple Coverages
• VIII. Subrogation and Assignment
• IX. Underinsurance Actions

Chapter 6 Physical and Property Damage Coverages

• I. Third-party Liability Property Damage Coverage
• II. Uninsured Motorist Property Damage Coverage
• III. First-party Physical Damage Coverages
• IV. Availability of Physical Damage Coverage
• V. Insurer's Limit of Liability and Measure of Damages
• VI. Property Damage Claims

Chapter 7 Bad Faith and Criminal Penalties

• I. Bad Faith by an Insurer
• II. Criminal Penalties for Insurance Fraud

Chapter 8 Stacking

• I. Generally
• II. Liability Coverages
• III. Summary

Chapter 9 Actions

• I. Interpleader
• II. Declaratory Judgment Actions
• III. Service of Process on Insurance Companies
• IV. Choice of Laws
• V. Statute of Limitations
• VI. Parties
• VII. Collecting Judgments Against Insurers

Chapter 10 Statutory Liens

• I. Introduction
• II. Liens Under State Law
• III. Liens Under Federal Law
• IV. Ethical Ramifications of Statutory Liens