USAA Casualty v. Rafferty

Syllabus

Pursuant to Rule 244, SCACR, the United States District Court for the District of South Carolina certified the following question to this Court: Under South Carolina law, may an auto insurer validly limit underinsured motorist property damage coverage to property damage to vehicles defined in the policy as \covered autos\? We hold insurers are required to offer UIM property damage coverage and therefore answer the certified question \no.\