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Auto or car insurance is one of the most common types of personal insurance around. The state of South Carolina requires that you purchase liability and uninsured motorist coverage to drive legally in the Palmetto state. Car insurance can be divided into two basic coverage areas: liability and property damage. Continued below the quote from.
Auto liability insurance policies contain three major parts under the SC tort system: liability insurance for bodily injury; liability insurance for property damage; and uninsured / underinsured motorists coverage.
Bodily injury liability insurance protects you against the claims of other people who are injured in an accident for which you were at fault. South Carolina requires you to carry a minimum of $25,000 per person for bodily injury and $50,000 for all persons injured in one accident. Claims for bodily injury may include medical expenses, lost wages, and pain and suffering.
Property damage liability insurance pays for any damage you cause to the property of others. This not only includes damages to other vehicles but also other property, such as walls, fences, and equipment. The minimum limit in South Carolina is $25,000 for all property damage in one accident.
Uninsured motorists coverage protects the policy holder directly. This coverage pays if you are injured / damaged by a hit-and-run driver or a driver who does not have auto insurance. There is a $200 deductible by law.
Property damage coverage may or may not include both collision coverage and comprehensive coverage, depending on the options that you purchase.
Collision coverage pays for physical damage to your car as the result of your auto colliding with an object, such as a tree or another car. This coverage is optional and not required by law. However, collision insurance may be required by your lending institution or lessor. In the case of an accident involving an older car, the cost of repairing the car can quickly exceed the actual cash value of the car. In this case, insurers will “total” the car and pay you the actual cash value of the car rather than fixing it.
Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, vandalism, floods, theft, falling objects, and collisions with animals. Comprehensive coverage also will cover broken glass, such as damage to a windshield, and the deductible does not apply in this case. You are not required by law to carry comprehensive coverage.