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Auto Insurance

Why is Having Auto Insurance Coverage Important?

Auto insurance is required by law in most states, including South Carolina.  Auto insurance provides financial protection should you become involved in an accident.  Auto accidents can accidents can happen at any moment.  The financial responsibility can be overwhelming which is why having auto insurance is important.

Mother and Daughter Leaning Out of Car Window

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Let’s take a closer look at Auto Insurance


Liability Insurance – mandatory

Liability Insurance is mandatory in the state of South Carolina.  Liability only insurance policies have three main parts.  These parts are bodily injury, property damage and uninsured/underinsured motorists.  The minimum state coverage  in South Carolina is 25/50/25.  Liability insurance DOES NOT cover the “At Fault” driver.

  • $25,000 per person for bodily injury or death of one person in one accident
  • $50,000 total for all persons involved in one accident
  • $25,000 for all property damage in one accident

Uninsured Motorist coverage is required in South Carolina and is equal to the minimum amount of liability insurance required in the amount of (25/50/25).

Underinsured Motorist coverage is NOT required in South Carolina.


Physical Damage – optional*

Physical damage is optional insurance and can be added to a liability policy.  The two most common types of physical damage options in South Carolina are Collision  coverage and Comprehensive coverage.  Physical damage covers the “At Fault” driver.

Collision Coverage pays for physical damage to the insured’s auto as the result of hitting another object (car, tree etc).

Comprehensive Coverage pays for damage to your vehicle for other things (fire, theft, vandalism etc).

*if you are financing a vehicle, your lender may require you to have physical damage on the vehicle.

South Carolina is an “AT FAULT” state which means the party found to be at fault, is financially responsible for damages caused.


Ready to insure your car, truck or motorcycle, Call us TODAY!  

We also insure classic/collector vehicles as well.  If you own any of the following type of vehicles and would like a special quote for these vehicles, Give us a call.

  • Classic Cars
  • Classic Truck & Utility Vehicles
  • Boats
  • Vintage Motorcycles & Scooters
  • Motorsports
  • Antique Tractors
  • Modified Vehicles
  • Historic Military Vehicles