FigureMyTax

South Carolina UM/UIM Stacking Calculator

South Carolina offers UIM at your option up to your liability limits, pays it for damages above the at-fault driver's limits, and protects you only to the extent of the coverage on the vehicle involved in the accident. Enter your limits, damages and the other driver's limits to see the single-vehicle and added-limits results.

Cited to S.C. Code 38-77-160, 38-77-150 and 38-77-140 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your UM/UIM benefits

Enter your policy limits, your damages and the other driver's liability limits.

$
$
$
$
Estimated result
—
See what you keep after liens →

South Carolina keeps you to the coverage on the vehicle involved, pays UIM for damages above the other driver's limits, and bars a consent-to-settle clause

South Carolina's rules are in S.C. Code 38-77-160 (UIM and the vehicle-involved rule), 38-77-150 (basic UM) and 38-77-140 (minimum limits). The deadline is in 15-3-530 and the extension for minors in 15-3-40.

Read how stacked and single-limit coverage differ in South Carolina, check what section 38-77-160 says, or see how South Carolina UM and UIM work.

Injured in South Carolina?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to a South Carolina attorney

Go deeper

Stacked vs. Single-Limit UM/UIM in South CarolinaThe vehicle-involved rule S.C. Code 38-77-160The vehicle-involved rule word by word UM vs. UIM in South CarolinaBasic UM, optional UIM, consent and deadlines

Related calculators

Medical Lien CalculatorWhat you keep after plan and Medicaid claims Minor's Settlement CalculatorIf the injured person is under 18

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited South Carolina statutes. Confirm how these rules apply to your specific case with a licensed South Carolina attorney.