Personal Auto Insurance Coverage in Charleston, SC with W.C. Wilbur

Personal Auto Insurance

Over 141,000 collisions occurred across South Carolina in 2017 alone. *

The most common mode of transportation—motor vehicles—happens to also be the most dangerous. Which is why it’s critical that drivers are covered for themselves, their loved ones, and other drivers.

Each state requires a minimum amount of insurance in order to operate a motor vehicle. South Carolina law requires that you purchase liability and uninsured motorist coverage to drive legally in the state. Auto insurance is divided into two basic coverages: liability and physical damage.

• Liability Auto liability insurance address three major parts in South Carolina: liability insurance for bodily injury, liability insurance for property damage, and uninsured/underinsured motorist coverage.

• Physical Damage This coverage insures against damage to the insured’s own vehicle. The two most common types are collision and comprehensive coverage.

SHOULD I HAVE MORE COVERAGE?

It depends. It’s possible in your situation the minimum coverage required by South Carolina is enough for your specific needs. However, it’s important you consider the total value of your assets and your family’s situation. Speaking with a W.C. Wilbur agent, who has seen numerous scenarios, can help you determine the right coverage package for you and your family.

*https://scdps.sc.gov/ohsjp/stat_services/factbooks

THINGS TO CONSIDER WHEN EVALUATING YOUR AUTO COVERAGE:

What are the ages and experience levels of the drivers in your home?
What are the makes, models, and years of your vehicles?
What would the state’s minimum insurance requirements look like in a worst-case scenario for your family?