South Carolina Auto Insurance
South Carolina has the best interests of its drivers in mind and therefore requires all motorists to carry insurance that includes bodily injury and property damage liability as well as uninsured motorist coverage. These insurance measures can protect drivers in instances when they're at fault and when they're not.
Bodily injury liability comes into play when you cause a crash that injures others. They will be able to get the medical attention they need and you can avoid paying these costs out-of-pocket. With property damage liability, if you're at fault in a collision that damages another party's vehicle or other property, you'll be covered.
- $25,000 coverage for bodily injury per person
- $50,000 coverage for total injury per accident
- $25,000 coverage for property damage
Those limits sound large, but think about the potential medical, property and legal bills that could result from a wreck you cause. Minimum coverage might not be enough.
Uninsured motorist coverage protects drivers if they're hit by a motorist that doesn't carry insurance. With this coverage, you'll be able to repair or replace the parts of your vehicle that are damaged as a result.
Even this might not be enough. A review of the above coverages reveals a glaring omission. When you cause a wreck, who pays for the damage to your car? The answer is, you do, unless you have collision coverage. Once you pay your deductible, it will help with repairs until you meet your coverage limits. And if your car is damaged by vandals, fire, or flooding? Ask your agent about comprehensive coverage.
Car insurance discounts for SC drivers
South Carolinians are eligible for many discounts, such as:
- Homeowners discount.
- Multi-car discount.
- Multi-policy discount.
- Good student discount.
- Good driving discount.
- Safety features discount.
Contact a HomeInsurance.com representative to get the coverage to fit your needs. We'll look for great coverage and affordable prices, and we'll factor in every discount available. Call today!