Auto Insurance

Like most states, you must invest in auto insurance to drive your car legally on South Carolina roads. However, whether car insurance is mandatory, you still need this coverage to cover you and your vehicle when calamities occur. So, if you want car insurance in South Carolina, please talk to D4Insurance for affordable coverage. But first, let’s learn more about auto insurance.

Required auto insurance in South Carolina

If you want to drive your car legally in South Carolina, you must adhere to the minimum state requirements. Otherwise, failure to carry the required car insurance may result in fines and penalties, including license suspension. Car owners in South Carolina are required to have the following minimum liability coverage:

• Bodily injury liability: This insurance coverage pays medical costs for injuries you cause to others. The minimum amount required is $25,000 per person and twice the amount for an accident involving multiple persons.
• Property damage liability: This insurance policy covers you when you cause damage to other people. And this property damage isn’t limited to vehicles only — it includes fences, walls, buildings, and other properties.
• Uninsured motorist coverage: It covers you when the at-fault driver doesn’t have insurance coverage. Underinsured motorist coverage works similar to uninsured motorist coverage, but it isn’t mandatory.

Getting more than the state-required coverage is wise if you want optimal coverage. As such, consider other optional car insurance coverages.

Optional car insurance options

Want maximum coverage for your car? Consider the following optional car insurance coverages:

• Comprehensive coverage: It covers your vehicle when faced with non-collision perils, including fire, theft, and natural disasters, among others.
• Collision coverage: It covers physical damage to your vehicle after a collision with another motorist or a stationary object.
• Medical payments: It pays for the medical costs for you and your passengers after a car accident.
• Roadside assistance: If your car stalls miles away from your residence, roadside assistance coverage bails you out by providing services like towing, gas delivery, puncture repair, and minor repairs.

Are you shopping for car insurance in South Carolina? Please consider D4Insurance for all your car insurance solutions.