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

Summary 

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.

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.

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!

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.