Auto Insurance in South Carolina

Every licensed driver is required to have auto insurance

. In addition to being legally required, having auto insurance protects all drivers from damage to their vehicle, injury, and financial ruin because of the costs associated with an accident.

The different types of auto insurance with the minimum required coverage amounts in South Carolina are:

Bodily Injury Liability Insurance ($25,000) - covers the driver who causes an accident that hurts someone else's literal body; covers the medical costs of anyone who suffers from physical harm as a result of the accident

Property Damage Liability Insurance ($25,000) - if you cause an accident, this insurance pays for damages to the car and/or possessions in the car (such as a laptop, cell phone, jewelry, or other valuables) of the other driver; can also cover damages from the accident to outside stationary property such as a mailbox

Uninsured/Underinsured Motorist Bodily Injury Insurance ($25,000) - covers costs from bodily injury that are not covered if another driver hits you and does not have insurance; this also comes into effect in a hit and run accident

Uninsured Motorist Property Damage Insurance ($25,000) - covers damages to property as a result of an uninsured motorist.

There are many different options for auto insurance. Drivers should compare costs with different companies to make sure they are getting the best deal possible. Some companies offer discounts to customers who use their company for other types of insurance such as homeowners and life insurance. It is important for drivers to keep a clean driving record. Every time a traffic conviction is recorded, auto insurance rates will usually go up since the company recognizes the driver as a risky investment.

In the unfortunate event of an accident, regardless of fault, drivers should take down as much information as possible about the accident and everyone involved. In addition to contacting the police, the driver should call their insurance agent to start the process of filing claims. Auto accidents are never fun, but it is much better to have adequate insurance in the event of an accident.

Auto Insurance in South Carolina

By: Drew Massie

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