Automobile Insurance coverage | MUSC | Charleston, SC – Training at MUSC

August 19, 2022 By admin

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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 automobile insurance coverage.
When looking for automobile 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?
South Carolina Minimum Liability Requirements
Though required by regulation to hold auto insurance coverage, Forbes estimates that 10.9% of drivers in South Carolina didn’t carry automobile insurance coverage in 2019. Which means 1 in 10 drivers carry no automobile insurance coverage and wouldn’t be capable of pay for damages or bodily harm precipitated in an accident.

You’re required by regulation to have uninsured motorist protection. This coverage protects you towards drivers who would not have automobile insurance coverage and are discovered at fault for the accident. Your insurance coverage firm pays the declare.

You may as well 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’s not required so that you can buy.
Study state minimal protection (PDF).
That is an non-obligatory add-on that covers the harm to the insured’s automobile after colliding with one other object, resembling a automobile, fence, or tree.

This pays for the harm to a automobile from different causes. This might embody flooding, a tree falling on it, theft, and so forth. This may also embody damaged glass, resembling harm to the windshield. South Carolina regulation prohibits insurance coverage firms from charging a deductible to repair windshields if complete is carried.

Each collision and complete protection are non-obligatory in South Carolina. When buying automobile insurance coverage, it’s obligatory so that you can decide how a lot threat you need to switch. The extra threat that’s transferred to the insurance coverage firm often means the upper your premium is.

– Pay a better deductible. Somewhat than pay $250 per declare, be keen to $500 or $1000 per declare
– Preserve a protected driving report
– Earn good grades! Most firms 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 cut back insurance coverage charges
– Bundle a number of insurances