South Carolina Free Auto Insurance Quotes Online: Mandated Coverage
In South Carolina mandated auto insurance for all drivers includes liability coverage in the amounts of $25,000 for bodily injury per person; $50,000 for bodily injury per accident and $25,000 for property damage per accident. These limits, while similar to requirements for other states, are insufficient for many real-life accidents. Better coverage is $100,000 for bodily injury per person; $300,000 for bodily injury per accident; and $100,000 for property damage per accident.
Uninsured motorist coverage is the other type of required coverage in South Carolina. It covers you in case you are involved in an accident with one of the 10.7% of drivers in the state who are estimated to be uninsured. While this rate is lower than more than half of the states in the country, it is still a significant risk.
South Carolina Free Auto Insurance Quotes Online: Recommended Coverage
In addition to the required coverage with higher limits for liability coverage, drivers in SC should also look at a variety of other types of coverage. Personal injury protection or PIP is an important form of protection, as it provides for medical expenses in the case of bodily injury, regardless of fault.
Property damage for your vehicle is another very important coverage to consider. In fact, if your car is financed, your lender will require you to carry it. If not, you should weigh the benefits versus the cost of the premium to decide if you will invest in it. Comprehensive and collision are the two types of insurance that make up personal property damage. Collision provides for repairs or replacement of vehicles involved in an at-fault accident. Comprehensive provides for repairs or replacement when loss occurs from named perils like theft and fire.
Other coverage to consider is towing and labor in case your vehicle can not be driven. Rental car coverage provides reimbursement for rental car coverage when you can’t use your own vehicle.
