I received a form to sign from my insurance carrier about underinsured motorist coverage. What is the purpose of this form?

In order to verify that a company offered you the optional underinsured motorist coverage, the company must have a signed form from you confirming whether you do or do not want the optional coverage. The form may also provide the option for you to increase the amount of coverage you have for liability and uninsured motorist coverage in addition to offering you the underinsured motorist coverage. You are required to fill out the form and return it to the company for their records; otherwise, the company will add the underinsured motorist coverage to your policy and rate you for the coverage. The South Carolina Department of Insurance does not have a copy of your form, so if you have additional questions, you should contact your insurance agent for further clarification.

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1. What auto insurance coverage is required in SC?
2. Is a person required to have underinsured motorist coverage in South Carolina?
3. What is the minimum requirement of insurance on other types of vehicles besides your own personal automobile? For example, a dump truck?
4. I received a form to sign from my insurance carrier about underinsured motorist coverage. What is the purpose of this form?
5. Can a company refuse to insure me?
6. When can my automobile liability insurance be canceled?
7. When can my automobile comprehensive and collision coverage be canceled?
8. Aren't all insurance companies required to cover windshield damage for free in South Carolina by law?
9. Does the insurance company have to notify you when your renewal insurance premium is due?
10. Does the automobile policy contain a grace period for paying the renewal premium?
11. An agent quoted me a low rate so I bought the policy. Then the company raised the rate two months later. Can they do that?
12. Are there any specific time limits for an insurance company to pay claims?
13. May I keep my auto if I have a collision, limited collision or comprehensive claim and my insurance company declares it a total loss?
14. Can the insurance company pay me less than Blue Book for my totaled vehicle?
15. The adjuster recommended a specific body shop. Can I use a different shop?
16. Who pays for the rental car while my car is in the body shop?
17. The insurance company put the leinholder's name on the check for repairing my car. Why?
18. An uninsured driver demolished my car! Who pays?
19. I've been sued by the other driver. Will my policy cover that?