Rental reimbursement auto coverage in the Carolinas helps pay for a substitute vehicle while the covered auto is out of service after a covered collision or comprehensive loss. Caps and waiting periods apply, and the line is not a stand-in for collision.
South Carolina requires uninsured motorist coverage on every auto policy and requires insurers to offer underinsured motorist coverage. North Carolina requires both on personal auto policies issued or renewed on or after July 1, 2025.
Auto liability limits South Carolina North Carolina start at a 25/50/25 statutory minimum in SC. NC requires 50/100/50 for policies issued or renewed on or after July 1, 2025.
Inherent diminished value is the market discount that remains after a quality repair because the crash sits on the history report. In South Carolina and North Carolina that residual loss is usually presented on the at-fault driver's liability policy, not as a first-party collision add-on.
