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