When you are looking for your South Carolina auto insurance you will want to keep several things in mind. First you need to know what the minimum amounts of liability coverage is that you must have in order to drive in the state of South Carolina. You must carry liability coverage in every state in order to drive on the street in that state but the amount of the coverage varies from state to state. There are other variances that can be found as well, such as some states are no-fault states which means it doesn’t matter who is at fault in an accident, each party submits claims to their own insurance company.
In South Carolina the liability coverage that is required includes:
- $25,000 for the bodily injuries to cover one person who is hurt in a single accident.
- $50,000 is to cover the bodily injuries for more than one person who is injured in a single accident. These funds can be dispersed among the injured parties.
- $25,000 is to cover the property damage for the other person’s vehicle.
- $25,000 in coverage is for uninsured and underinsured motorist coverage for bodily injury fees for you or passengers in your car should you be hit by someone without insurance or not enough insurance to cover the charges. It also covers injuries caused by a hit-and-run driver.
- $50,000 in uninsured or underinsured motorist coverage is for the same circumstances but for others injured in your car.
- $25,000 in uninsured motorist coverage is to be in effect to cover damages to your vehicle but not if you are at fault for the accident. It is only to be used if the other person involved in the accident is not insured or does not have enough insurance to cover the damages.
You can always get higher coverage from carolina-insurance.net/south-carolina-auto-insurance-quotes/ than what is listed above. You may also want to include comprehensive and collision coverage on your vehicle. Collision coverage is what will pay for the damages to your car when you are involved in an accident. If your vehicle is being financed your lender may require you to have this coverage in order to protect their collateral.
Comprehensive coverage will pay for the damages to your car that occur for everything besides and accident, such as theft, weather damage, or if you were to hit a deer or any other animal. There are other circumstances so check with your agent.