Auto insurance is a product offered by many insurance providers across the United States. One thing that each insurance provider has to deal with, though, is state requirements. Depending on the state where you reside, insurance requirements will vary. At the Allsurance Group, we work to serve our Spartanburg, SC clients and educate them to ensure each requirement is met.
Standard Insurance Coverage
There are a set of standard auto insurance coverages which need including as part of a policy. States are going to drive the minimum car insurance requirements for each of these types of policies.
- The first type of coverage is known as bodily injury liability. Bodily injury liability coverage offers protection when you are the at-fault party. In an auto accident, if you are liable for causing some type of bodily injury to another party, coverage kicks in.
- Property damage liability is another common coverage type for auto insurance. If you damage the property of another party, you are going to be covered up to the limit of this particular protection. The coverage is only if you are found at-fault for causing the property damage.
- The last common coverage type is personal injury protection (PIP). It is also known as no-fault coverage. When you are not at-fault for an accident and unable to collect from the at-fault party’s insurance company, coverage goes into effect.
- Finally, the fourth coverage is uninsured and underinsured motorist coverage. Not everyone has adequate auto insurance. An at-fault party may not have coverage to reimburse you for losses. If they have coverage below state minimums, this will protect you from eating the costs.
Shopping for a Policy
At the Allsurance Group, the team works to make sure that all of the state required minimums are satisfied with each auto insurance policy we quote. States dictate the requirements; the goal is to make sure they are in line. Serving Spartanburg, SC, be sure to reach out to our offices to learn more about a policy and how we can get you started.