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Category Archives: South Carolina Insurance

South Carolina Insurance for residents of the State of South Carolina! As a resident of “The Palmetto State,” you need to know that you are required by State Law to maintain Financial Responsibility by purchasing and maintaining a South Carolina Insurance Policy. InsureDirect.com represents 30 Auto Insurance carriers nationwide and will provide you with a price and payment plan which may really surprise you.

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We have the agents and resources to serve all your insurance needs. Call InsureDirect.com at (800) 807-0762 and let one of our agents review all the South Carolina Insurance Programs we have available for you. Regardless of whether you have a flawless driving record or you have accidents, tickets or violation. Our agents can design an auto insurance program for you and your family’s needs. This South Carolina insurance information page outlines the coverages which are required and the insurance limits which need to be maintained. South Carolina Auto Insurance Liability In the State of South Carolina; an auto insurance liability policy has three major sections:

  1. Bodily injury
  2. Property damage
  3. Uninsured/Underinsured motorist coverage.

Bodily Injury liability insurance protects you and your assets from claims or law suits others can file against you when an accident is you fault. South Carolina requires all drivers of a registered car or truck to carry a minimum Bodily Injury amount of $25,000 per person, $50,000 for all persons injured in one accident and Property Damage coverage limits of $25.000, Uninsured /Underinsured Motorists Insurance Coverage (UM/UIM) protects the policy holder if he or she is hit by a uninsured or underinsured driver. This coverage also pays you if you are involved in a hit-and-run accident and later the driver is determined not have current auto insurance coverage. The required minimum insurance limits for UM/UIM are matching to the Bodily Injury – $25,000 per person, $50,000 for an entire accident when more than one person is injured. Important note on Property Damage Property damage auto insurance coverage includes both collision coverage and comprehensive coverage. Collision Auto Insurance Coverage pays for physical damage to your car, truck or SUV as the result of your car hitting an another object, like another car or Telephone Pole. This specific auto insurance is optional and not required by South Carolina law.

Need Car Insurance Quotes – Paying Too Much?

South Carolina Car InsurancePost Date April 7, 2013 – Drivers all over the United States may need car insurance quotes once they see their upcoming auto insurance renewal rate.   Auto Insurance insiders have been aware for many years that car insurance buyers have enjoyed very low rates.  This is commonly known as a soft car insurance, truck insurance or motorcycle insurance market.  What does this mean?   There are two types of insurance markets; both soft and hard.  In a nut shell, when car insurance rates are low and consumers are happy – this is known as a soft market.  Most drivers may not need car insurance quotes since they feel the auto insurance rate they have is affordable.  This may not be the case in the very near future as the Hard Market drives up car insurance rates.

If you are paying too much, you need car insurance quotes

Drivers in South Carolina will see an increase in their auto insurance rates very soon. This will happen as a new bill is now finding its way within the General Assembly that seeks to increase the South Carolina State Minimum limits on Uninsured Motorists (UM), a coverage which is required within the state.  The last time that South Carolina had a change in their state mandated minimum limits was on 2006. That change was for the State Minimum liability limits.  However, that  limits increase did not include the mandatory Uninsured Motorists. The current minimum limit for UM is set at $10,000. The new law would increase the Uninsured Motorist Limit to $25,000..  Since all car insurance companies file their rates differently, many will need car insurance quotes as the increase will not be acceptable.

There is no solid data that can show how many drivers in South Carolina will have an increase in their rates.  One thing is for sure, the $25,000 increase on their Uninsured Motorists limits will provide an increase to the auto insurance rates which many will not be happy with.  This auto insurance coverage in South Carolina will pay for policyholder’s injuries or damages to his or her vehicle when hit by a driver who does not have insurance coverage, or by a hit-and-run driver. The required minimum liability limits today is 25/50/25, $25,000 per person for bodily injury and $50,000 for bodily injury of all persons in one accident, and $25,000 for property damage. The increase on Uninsured Motorist to 25,000 will be considered level to the minimum state required limits.

-Mike

Michael E. Dortch
President &  Senior Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

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Car Insurance Fraud Convictions In South Carolina

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South Carolina Car Insurance Officials To Study Catastrophe Models

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