Who We Are:
The South Carolina Property and Casualty Insurance Guaranty Association (SCPCIGA) is a nonprofit, unincorporated legal entity created in 1971 by the South Carolina Legislature (South Carolina Code of Laws: Title 38, Chapter 31). The purpose of the Association is to provide a safety net for insurance consumers if their insurance company becomes insolvent and is no longer able to meet its obligations.
What We Do:
We step in to pay certain statutorily defined property and casualty claims. Our personnel are trained and developed to deliver fast, fair, and professional claim service. We pay and discharge covered claims through our employees as well as through various service companies called Third Party Administrators.
Covered claims are paid according to policy contract amounts and state-established limits. Subject to policy contract provisions, conditions, deductibles, and limits, as well as those stated in South Carolina Law, Title 38, Chapter 31, the following limits may apply: