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In this QC Morning Legal Minute sponsored segment, attorneys Brent Stewart and Elizabeth VonCannon from Stewart Law Offices explain the most important types of car insurance coverage for families — and the key differences between North Carolina and South Carolina policies.

🚗 Key Coverages You Need

Liability Insurance: Pays for injuries you cause to others.

Uninsured Motorist Coverage (UM): Protects you if the at-fault driver has no insurance.

Underinsured Motorist Coverage (UIM): Provides extra protection if the at-fault driver’s coverage isn’t enough to cover your losses.

MedPay (Medical Payments): Pays medical bills up front, regardless of fault.

Personal Injury Protection (PIP): Helps with medical bills and lost wages whether you’re at fault or not.

⚖️ NC vs. SC Insurance Differences

South Carolina: UIM coverage can be stacked across multiple vehicles on the same policy (e.g., 4 cars with $25,000 each = $100,000 total).

North Carolina: UIM coverage cannot be stacked, and insurers get a set-off from the at-fault driver’s liability coverage.

👉 Bottom Line: It’s too late to change coverage after a wreck. The time to review your insurance is now.

Learn more about protecting your family:

https://www.stewartlawoffices.net/north-carolina-personal-injury-lawyer

https://www.stewartlawoffices.net/south-carolina-personal-injury-lawyer

Our Office Locations

Rock Hill: 1242 Ebenezer Rd, Rock Hill, SC 29732

Spartanburg: 409 S Pine St., Spartanburg, SC 29302

Beaufort: 205 Ribaut Road, Suite A, Beaufort, SC 29902

Columbia: 10 Calendar Ct., Suite 100, Columbia, SC 29206

Lexington: 203-D West Main Street, Lexington, SC 29072

Charlotte: 2427 Tuckaseegee Rd, Suite A, Charlotte, NC

⚖️ Disclaimer:
This video is for informational and educational purposes only. It does not create, and receipt or viewing does not constitute, an attorney-client relationship. Insurance examples provided are for illustration only.