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Is Auto Insurance Legally Required in South Carolina?

At Allsurance Group in Spartanburg, SC, new clients frequently approach us to ask about our auto insurance policies. For many car owners, getting auto insurance is as routine as renewing your license or updating your registration. While we know how easy it is to take car insurance for granted, you might wonder if you even need car insurance in South Carolina to drive legally. In this article, we’ll clarify the common confusion around whether you need auto insurance in South Carolina. 

Is auto insurance required by law in South Carolina?

In South Carolina, you need at least the bare minimum coverage required by law to drive. In this state, the law states that drivers must at least have liability and uninsured motorist coverage before they can legally drive in South Carolina, according to Since this is the minimum legally required coverage, it serves as a starting place for covering your primary vehicle through auto insurance policies. Some policies will also protect against physical damage or provide higher limits for liability. Depending on your needs, the bare minimum coverage might not be enough to make you feel secure as a driver in South Carolina. 

How we can help

Whether this is your first time obtaining car insurance or your fifteenth time, our agents at our convenient South Carolina location are happy to answer your questions about coverage and help you find the right auto insurance policy for your needs. We can ensure that your coverage satisfies the legal requirements for car insurance while adequately protecting your vehicle against damage, theft, liability, and more.

To learn more about our car insurance policies, call our office today or stop by Allsurance Group in Spartanburg, SC to discuss auto insurance plans with us!

What Should You Do If Your Car Was Stolen?

No one wants to walk out their front door or leave a shopping center to find their vehicle stolen. It can leave a sinking feeling in your stomach. However, there are a few essential things that you need to do if your car is stolen. Read along as Allsurance Group, an insurance company serving the greater Spartanburg, SC area, describes the steps you should follow if your vehicle were stolen. 

Contact the Police

The very first thing that you should do if your car is stolen is to notify the police. Insurance agents cannot do anything unless you file a police report. 

Notify Your Insurance Company

Once you have filed a police report, contact your insurance company. This is important to do even if you do not have comprehensive coverage. Notifying your insurance company may help protect you if the car thief is in an accident in your vehicle. 

Get In Contact With Your Lender

If you have a loan out on your vehicle or are leasing your car, you must contact the lender. You should consider authorizing the lender to talk to your insurance company to expedite the payout process. 

Immediately Get in Touch With Your Insurance Company if The Car Is Recovered

Lastly, contact your insurance company if you are notified that your car was recovered. They can inspect your vehicle and cover any damage that may have occurred as long as you have full coverage or comprehensive auto insurance coverage. 

It is important to note that only vehicles covered under a comprehensive insurance policy are covered for car theft. If you do not have this coverage, you may want to consider getting it. If you want to protect your vehicle fully or want a new insurance policy in the greater Spartanburg, SC area, let the team at Allsurance Group help. 

What is Full Coverage?

Spartanburg, SC drivers are required by law to carry $25,000 to cover injuries per person or $50,000 per wreck, and $25,000 for property damage. Your Allsurance Group agent can speak to you about the other types of insurance we offer, including complete coverage protection. 

Your lender will usually require you to purchase a full coverage insurance policy while you carry a balance, as your liability insurance will only cover costs to the other party. This type of indemnification will extend to your bank’s investment, protecting their interests and yours. 

It is possible to get into a wreck that is your fault and not have any way to pay for your own injuries, property damage costs, and lost wages. Full coverage insurance tends to comprise two types of indemnification: comprehensive and collision. 

Collision insurance can help you if you collide with another vehicle and can be particularly important if your car is costly to replace or repair. This is the case even if your car is paid off. In addition, it can extend to accidents that occur with stationary objects, such as mailboxes or light poles. 

Comprehensive insurance is related to incidents that occur without involving a crash. This can entail situations like vandalism or theft, including weather events such as high winds, hail, or heavy rain. Fire is another hazard that may be covered as well as problems caused by animals. 

Allsurance Group Wants to Help

We specialize in providing superior insurance products and services to the residents of the Spartanburg, SC region, and we can answer any questions you may have. Reach out to us by phone, visit us on the web, or feel free to stop by our office for more information. 

Three features your auto insurance policy should include

Choosing an auto insurance policy with the features you need to protect yourself financially and enjoy convenience is essential. We provide clients with auto insurance policies that include many convenient features at Allsurance Group. We have a suggestion for three.

You might want your auto insurance policy to include the following features. 

Automatic payments

Having a policy that offers automatic payments makes your life easier. Auto insurance providers can set your policy up so that your premium payments are automatically charged to your credit card or bank account. 

Automatic payments can prevent you from missing a payment. You mustn’t miss an auto insurance payment because your policy may be canceled if your payment is not made on time. 

Some auto insurance providers even offer discounts on auto insurance policies if customers sign up for automatic payments. 

Rental vehicle coverage

If you get in a bad accident, you might not be able to drive your vehicle for an extended period while it is in the shop for repairs. In this case, you’ll need alternative transportation in the meantime.

Fortunately, many auto insurance policies offer rental vehicle coverage. With this type of coverage, you will have the costs of renting a vehicle covered until your car has been repaired. 

Uninsured or underinsured motorist coverage

Unfortunately, some drivers out there aren’t carrying adequate auto insurance coverage. Suppose you get in an accident with such a driver. In that case, it’s important to have uninsured or underinsured motorist coverage so that you get any accident damages covered that you end up with. 

When you need to find the right auto insurance policy in Spartanburg, SC, we can assist you at Allsurance Group. Get in touch with us today to find the right auto insurance solution. 

What Are The Different Types Of Auto Insurance?

There are five major types of auto insurance in the United States: liability, collision, comprehensive, non-standard, and UBAA. 

If you are buying a new car, ensure the dealer is aware of your state’s requirements and get adequate coverage. For questions in Spartanburg, SC, consult Allsurance Group. 

What Else to Know 

In the United States, there’re mainly comprehensive and liability. Most people buy comprehensive coverage, as it’s required by law to cover damage to others and their property. 

However, liability insurance can also help protect you against lawsuits if you’re in an accident. What you purchase depends on your needs and the risks you face. To find the type that is right for you, talk to your agent about the different types of coverage and how they work. 

There are also policies that cover your car’s parking and wind/riding/snow/hail. If you have a car with a high value, you can purchase a “luxury” policy that offers more coverage for a higher price. 

  • Liability: It insures if you injure a person or someone’s damage. The coverage amount is typically between $100,000 and $300,000 per incident. 
  • Collision: It caters to repairs after an accident with another vehicle. The deductible is usually between $100 and $1,000. This means you have to pay out of pocket for some expenses before your insurance starts paying for repairs. 
  • Comprehensive: This type of coverage helps pay for damages to your car from non-collision incidents like theft or vandalism. It also covers weather-related damages like hail or flooding up to a certain amount per incident. 
  • Rental Reimbursement: If you end up having to rent a car after an accident, this coverage will cover the cost of renting one while yours is being repaired. It can also cover fuel costs if your vehicle needs to be towed back to your home or business because it’s not drivable due to damages that aren’t covered by other insurance policies


You can purchase other kinds of coverage such as anti-theft. The most important thing is to research the different types of insurance and find one that best fits your needs. For help in Spartanburg, SC, visit Allsurance Group.

If You are in a Car Accident, What Would You Do?

Being in a car accident could make you worry about what to do because it is not always known how to manage to call the police, for example, and even get information from witnesses. You may think the accident should stay put, too, however, you should move the vehicles so that they are not in the traffic area. Driving safe will help you get your best rate from the Allsurance Group in Spartanburg, SC, however, if you are struck by a different vehicle or there is some problem that caused your accident, you may need to learn or review any steps for managing these ambiguities during your car accident. 

In South Carolina, you could call the police for any accident or just one with major damage and an injury or even a severe problem like death from the accident. If you decide to manage this yourself, there is a form, a Traffic Collision Report, that you would need to complete and send by mail to the address on the form within 15 days of the accident. You could do this instead of waiting for the law enforcement employee to get there if this is a small collision and is easy to manage. If there are witnesses, you get their information, like their contact details, so that your insurance company could contact them, too.

Be certain you are safe, most of all, and move your vehicle right away, if possible, away from the traffic, and remember to call the emergency number 911 if you need assistance from the police and if there is an injury, the ambulance. Your Allsurance Group in Spartanburg, SC would help you with managing this problem. You would contact them to get your claim information, too.

Types of Auto Insurance

If you are a vehicle owner, you will need auto insurance to protect you from liability and loss. The Allsurance Group serving Spartanburg, SC, wants you to know more about the three types of auto insurance that you are required to have as an automobile owner in SC.

Bodily Injury Liability Insurance

This state-required insurance provides financial cover if you should cause someone bodily injury or harm due to the accident where you are at fault. This policy should cover or contribute towards medical expenses, verifiable loss of income, and pain and suffering. Medical bills are often high and may exceed the state-required cover. It is important to review the limits of your policy and adjust them if necessary.

Property Damage Liability Insurance

This state-required insurance provides financial cover if you cause damage to another vehicle in an accident or collision for which you are liable. The good news is that it may also cover damage to other physical property such as walls, fences, and equipment.

Uninsured Motorist Coverage

This state-required insurance is for your protection. It provides financial cover if the other motorist in a collision or accident is at fault and does not have insurance. It contributes towards expenses related to your bodily injuries or property damage. Uninsured motorist coverage also provides cover in the event of a hit and run driver. This insurance usually carries a deductible.

SC is a tort state and assigns blame to the driver at fault. Therefore, it is vital that you review your auto insurance and, particularly, your liability insurance to make sure that it is adequate.

Take action!

For peace of mind, review your mandatory auto insurance policies by speaking to the friendly folks at the Allsurance Group serving Spartanburg, SC today!

Auto Insurance Add-Ons to Consider

Most drivers will only have a policy that covers liability and damage caused to them by an uninsured motorist. This minimum is necessary to keep the cars rolling, but it’s only one potential benefit of an auto insurance policy. Allsurance Group recommends considering the following as add ons to your policy to round out your coverage.

Collision Coverage

Collision coverage is an add-on that pays benefits when your vehicle is damaged by another motorist, whether or not they have their own insurance. The financial damage from an accident can easily be more than the value of the other motorist’s coverage, leaving you unable to pay the repair bills. You can add on collision coverage based on your vehicle’s value to keep that from happening.

Comprehension Coverage

Comprehensive coverage is similar to collision coverage, but it expands the covered perils to a wider range of causes. Your car typically isn’t covered in a homeowners’ insurance policy, so damage to it from a fire or storm won’t be covered by it or a collision coverage policy, and natural events don’t carry liability insurance. With this add-on, nearly any form of damage to your vehicle won’t be solely your responsibility to fix.

Medical Payment Coverage

Medical payment coverage, referred to as personal injury protection (PIP) for Spartanburg SC consumers, covers the cost of medical bills for yourself or your passengers in case of an accident. Injuries from an accident can exceed your healthcare insurance without this.

Ask about Your Options

You won’t know which options are available or how much you’ll benefit from them until you talk with an agent who can go over the details of your situation. Residents of Spartanburg, SC can message or call us at Allsurance Group for assistance tailored to South Carolina law.

Required Auto Insurance in South Carolina

South Carolina has strict auto insurance laws that require every vehicle in the state to be covered by at least the minimum amounts mandated by law. However, in South Carolina, the minimum amounts of coverage that you must have are relatively low, and this can leave you vulnerable to lawsuits and other legal and financial problems. If you have no insurance at all, the state can charge you with a specific fine that is charged for every day the vehicle is not insured. To get your vehicle insured, contact us at Spartanburg, SC in Allsurance Group.

Bodily Injury Coverage

The state mandates that you have bodily injury coverage that is for anyone injured in an accident that you cause. This is called bodily injury liability, and there is a minimum amount required for a single person who becomes injured in an accident and another for everyone who suffers an injury from it. In addition, there is an amount required for one person injured in an accident with an uninsured motorist and a higher amount required for everyone who is injured. 

Property Damage Coverage

Medical bills aren’t the only bills that come after an accident. There may be property damage that is caused by your vehicle, and you are required to have coverage for this as well. There is a set amount required for your property damage liability and another amount required for property damage in an accident with an uninsured motorist. The liability coverage pays for someone else’s property damage while the uninsured motorist coverage is for your own vehicle. 

Get Your South Carolina Vehicle Covered

It certainly doesn’t pay to go without auto insurance. In fact, it can cost you quite a bit. To make sure that you have enough auto coverage, give us a call at Allsurance Group in Spartanburg, SC. 

Common Myths About Auto Insurance

We cannot stress enough that auto insurance is a must-have investment if you own a vehicle in Spartanburg, SC, and other parts of America. While auto insurance is mandatory in South Carolina, car insurance comes in handy when faced with unfortunate events. Auto insurance provides liability protection, protects your assets, and pays for medical expenses when involved in an auto accident. 

Regrettably, you might find many motorists without auto insurance. While there are many reasons people choose not to buy auto insurance, misconceptions around car insurance contribute to this trend. In light of this, Allsurance Group is here to debunk common auto insurance myths. 

Myth #1: Color affects your auto insurance rate

You might have heard that color, especially red color affects your auto insurance premium. The truth is that insurers don’t factor in the color of your vehicle when computing the insurance rate. In fact, your insurer doesn’t even know the color of your vehicle. Claim history, age, model, location, and driving history are some factors considered when establishing your auto insurance rate — color isn’t one of them. 

Myth #2: State-required auto insurance is adequate

South Carolina requires motorists to have at least property damage and bodily injury liability coverages in their auto insurance. While purchasing these coverages is vital, they are never adequate. You need to consider other auto insurance coverages like comprehensive, collision, PIP, and roadside assistance coverages for maximum protection. 

Myth #3: A traffic ticket automatically increases your auto insurance rate

Although getting a driving ticket isn’t something to be proud of, if minor, it has no impact on your auto insurance rate. However, the problem is when you have multiple traffic tickets — they can increase your auto insurance premium. 

Myth #4: Comprehensive coverage protects you against everything

Perhaps, because of the name comprehensive, many people assume that comprehensive coverage protects you against everything. The truth is that comprehensive coverage protects your vehicle against physical damage from perils like theft, fire, falling objects, and several natural calamities but excludes collision-related risks.

Buy auto insurance today!

Are you looking for auto insurance in Spartanburg, SC and its environs? Please contact Allsurance Group for an affordable quote.