Your Guide to Necessary Motorcycle Insurance in South Carolina 

Owning a motorcycle in South Carolina may bring a sense of freedom, but it also comes with important responsibilities, especially when it comes to insurance.

At Williams Finance and Insurance, we recognize the importance of providing riders with appropriate financial protection on the road. Whether you’re a seasoned motorcyclist or just starting out, knowing which coverages are required and which are recommended can help you ride with confidence.

What Are the Required Insurance Coverages for Motorcycles in South Carolina?

South Carolina law requires all motorcycle owners to carry the following coverages:

• Bodily injury liability coverage can help pay for expenses related to third-party bodily injuries you cause while operating your bike.
• Property damage liability coverage may compensate other parties if their vehicles, buildings or other property are damaged in an accident you cause.
• Uninsured motorist coverage can cover your losses if you’re involved in an accident with a motorist who has no insurance coverage.

Additionally, insurance companies are required to offer underinsured motorist coverage, but you can choose to reject it. You should also be aware of any requirements imposed by your lender if you’ve financed your bike.

Recommended Coverages

Riders may opt for additional financial protection. Our team often recommends the following:

• Collision coverage can cover your bike’s repair costs if you’re involved in an accident, regardless of who is at fault.
• Comprehensive coverage can help pay for repairs if your bike is damaged by fire, theft, vandalism or natural disasters.
• Medical payments (MedPay) coverage can help with medical expenses for you or your passenger after an accident, regardless of fault.
• Accessories coverage can cover custom parts or equipment attached to your motorcycle.

How We Help South Carolina Riders

At Williams Finance and Insurance, we work closely with motorcycle owners across Lancaster, SC to tailor insurance solutions that fit their unique needs.

Our team takes the time to assess their coverage needs and recommend policies based on their circumstances, riding habits and budget.

Ready to review your motorcycle insurance or request a personalized quote? Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.