Collision and comprehensive pay actual cash value minus the deductible after a covered total loss on a financed or leased vehicle in South Carolina and North Carolina. Gap coverage sits between that settlement and the contract payoff, and a dealer GAP waiver is not the same as an auto-policy endorsement.
A personal auto policy in South Carolina and North Carolina typically excludes rideshare and delivery driving from the moment a driver logs into a TNC or delivery app. Waiting-period TNC liability is 50/100/25 in North Carolina and 50/100/50 in South Carolina, then $1 million once a prearranged ride or TNC service has begun.
Carolina RV owners usually need a dedicated RV policy, not a free add-on on auto or homeowners coverage. Motorhomes and towable trailers are insured differently.
List your teen on the household auto policy before unsupervised driving in South Carolina. This guide covers when to add them, how GDL timing fits, what moves the premium, and practical ways to manage cost.
Golf cart coverage on the Carolina coast depends on where you drive and how the vehicle is classified. South Carolina ties highway use to permits and liability; North Carolina often follows local ordinances, and LSVs are treated more like other motor vehicles.
