Automobile Insurance coverage | MUSC | Charleston, SC – Schooling at MUSCAugust 18, 2022
Schooling at MUSC
45 Courtenay Drive
MSC Code: 203
Charleston, SC 29425
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Automobile insurance coverage is required by regulation within the state of South Carolina. Auto legal responsibility and uninsured motorist are required to legally drive within the state.
Discover South Carolina’s legal guidelines on automotive insurance coverage.
When looking for automotive insurance coverage you may even see or hear 25/50/25 or 100/300/100. These consult with the quantities the insurance coverage firm pays out for a declare.
South Carolina auto legal responsibility necessities are 25/50/25. What does this imply?
Though required by regulation to hold auto insurance coverage, Forbes estimates that 10.9% of drivers in South Carolina didn’t carry automotive insurance coverage in 2019. Which means 1 in 10 drivers carry no automotive insurance coverage and wouldn’t be capable to pay for damages or bodily damage prompted in an accident.
You might be required by regulation to have uninsured motorist protection. This coverage protects you in opposition to drivers who should not have automotive insurance coverage and are discovered at fault for the accident. Your insurance coverage firm pays the declare.
You can too have underinsured motorist protection which might cowl you if the at-fault driver doesn’t carry sufficient insurance coverage to cowl the damages. Firms are required by regulation to give you underinsured motorist, however it isn’t required so that you can buy.
Look at state minimal protection (PDF).
That is an optionally available add-on that covers the injury to the insured’s automotive after colliding with one other object, corresponding to a automotive, fence, or tree.
This pays for the injury to a car from different causes. This might embrace flooding, a tree falling on it, theft, and so forth. This may even embrace damaged glass, corresponding to injury to the windshield. South Carolina regulation prohibits insurance coverage corporations from charging a deductible to repair windshields if complete is carried.
Each collision and complete protection are optionally available in South Carolina. When buying automotive insurance coverage, it’s crucial so that you can decide how a lot danger you need to switch. The extra danger that’s transferred to the insurance coverage firm normally means the upper your premium is.
– Pay the next deductible. Relatively than pay $250 per declare, be keen to $500 or $1000 per declare
– Preserve a protected driving report
– Earn good grades! Most corporations supply a “good scholar” low cost. So, ASK!
– Store round utilizing an impartial agent
– Pay semi-annually or yearly to obtain a reduction
– Take a defensive driving class and inform the corporate
– Enhance your credit score rating to scale back insurance coverage charges
– Bundle a number of insurances