What Is The Purpose of Auto Insurance?

Posted on May 19, 2023May 17, 2023 by admin

As soon as we learn to drive, we learn our responsibilities. We must learn to drive responsibly, we must know the law to some extent, and we must be prepared in case of an accident. What do we actually know about auto insurance, though? B&A Insurance LLC, serving the greater Charleston, SC community, explains the true purpose of auto insurance.

It’s About Protecting You

The most important aspect of auto insurance is the financial protection it affords drivers. Cars are big, powerful things that do irreparable harm at the hands of the wrong driver. Without that financial protection, drivers would be better off riding a scooter.

Protection No. 1

The first protection is a liability which covers you in case the accident was your fault. The insurance will pay for the other driver’s medical expenses, time lost from work, and repairs to the other driver’s vehicle.

Liability auto insurance does not cover damage to your car, your body, or your passengers’ bodies.

Protection No. 2

The second is called comprehensive and protects you through incidents not caused by a vehicle. That means you’re covered if:

• You hit a deer

• You tangle with a bad storm (hail, falling tree branches, and such)

• Potholes

• Power poles, mailboxes, or bridge abutments

• Riots, theft, vandalism, and fire

• Broken windscreen

Comprehensive doesn’t cover drivers hit by other vehicles.

Protection No. 3

The third is about legally protecting you against cars driven by uninsured motorists or hit-and-run drivers. Do you feel like repairing or replacing a crumpled car, paying hospital and medication bills, or making up for lost time at work with your own funds? We didn’t think so. Buying uninsured motorist auto insurance is vital unless you’re independently wealthy.

We Are Here To Help!

This is how automobile insurance protects you, the driver. There’s more, and when you visit B&A Insurance LLC in Charleston, SC, we’ll be glad to explain how the other components of automobile insurance protect our drivers.

Comprehensive Auto Insurance Overview

Posted on February 15, 2022February 4, 2022 by admin

B&A Insurance LLC serves the Charleston, SC community. We strive to make sure that our clients find the coverage they need to navigate life’s unpredictability. We work closely with multiple carriers throughout the South. This allows us to meet our client’s individual needs. We hope to establish a long-lasting relationship with you so that we can assist you as your needs change over time.

Comprehensive Auto Insurance Overview

Auto insurance is designed to protect you as you travel around Charleston, SC and beyond. The policy covers any damage to your vehicle as a result of a collision. You are also covered if you are held responsible for damaging another vehicle or causing a bodily injury. Liability coverage is a significant part of your policy because an accident can happen at any moment.

You can opt for comprehensive coverage for an extra layer of protection. Comprehensive coverage protects your vehicle if it’s damaged in unique ways. The policy covers your vehicle if it’s stolen or vandalized. South Carolina is prone to severe weather at times. Comprehensive coverage also protects your vehicle if a tornado moves through the area and damages your vehicle. Perhaps you plan to travel through more rural parts of the state. Comprehensive coverage protects you if your vehicle makes an impact with an animal or an object such as a fence or pole.

You can also add emergency roadside assistance to your policy. If you are traveling out of the state on a lengthy road trip, the last thing you want to happen is a flat tire or a dead battery. If your vehicle is suffering engine troubles or any other type of emergency, you will receive urgent service to help get you back on the road safely.

B&A Insurance LLC Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

General Motorhome Insurance Facts

Posted on January 24, 2022February 4, 2022 by admin

B&A Insurance LLC serves the Charleston, SC community. We offer our clients various types of coverage so that they are protected in any situation. We take an individual approach to work with our clients. We will sit down with them and assess their needs so they can receive a custom policy. We have established long-term relationships with many of our clients, and we look forward to helping you in the present and future as well.

General Motorhome Insurance Facts

Motorhomes are flexible assets. They allow you to travel all over the country and explore new adventures. However, there are also several risks to consider as you operate a motorhome. That’s why motorhome insurance is important. You are covered if an emergency arises. You are protected if your motorhome is involved in an accident. You are also protected if you accidentally damage someone’s property. If you are traveling with friends, liability coverage protects you if they suffer an injury onboard. Comprehensive coverage protects you if your motorhome is vandalized. Perhaps you are traveling out of Charleston SC and you decide to camp out for a few days. Comprehensive coverage protects you if your motorhome is damaged due to inclement weather. All of your personal items onboard are covered if they are stolen or damaged.

The type of coverage you need may vary depending on the motorhome that you have. Class A motorhomes are the largest on the market. Class B motorhomes are generally small but equipped with amenities such as a bathroom. Class C motorhomes are medium-sized.

B&A Insurance LLC Will Help You Protect Your Asset

Visit our website to learn more information about motorhome insurance.

Reasons to Upgrade Your Motorcycle Insurance

Posted on December 20, 2021December 18, 2021 by admin

Motorcycle insurance policies help to keep many Charleston, SC drivers safe. However, if you haven’t upgraded your policy in a while, it might be time to call us at B&A Insurance LLC. We can help you better understand why you should upgrade your policy to make it as comprehensive as possible for your needs as a motorcycle owner.

Why You Need a Better Policy

High-quality motorcycle insurance can provide a broad array of benefits that will give you the protection that you deserve. Just a few ways that it can help you in this situation include:

Protect Your Investment – A motorcycle is not an inexpensive vehicle. However, many people have special payments and investments in them that insurance helps to protect by repairing bike damage when it occurs.
Avoid Expensive Replacement Costs – What happens when your bike is totaled in an accident, you’ll have to pay to buy a new one unless you have an appropriate motorcycle insurance policy.
Keep Your Family Safe – If you like taking your family out on your bike and want to keep them safe, certain types of motorcycle insurance may pay for their medical payments in a crash.

The available options for your policy may include things like comprehensive, underinsured, collision, and personal injury policies. Talk to your insurance team to learn more about what to expect here.

Get the Help You Need

At B&A Insurance LLC, we can provide Charleston, SC residents with help identifying high-quality insurance policies for their motorcycles. In addition, we’ll work directly with you to give you a better understanding of your overall policy and what steps you need to take to keep it as up-to-date as possible. We’ll work with you to help make this process smoother and easier to handle properly.

What Types of Watercraft Can Be Covered?

Posted on November 29, 2021December 11, 2021 by admin

Boat/watercraft insurance is a type of coverage that helps you protect your boat from certain risks. When looking for boat/watercraft insurance, it’s important to know what types of boats and watercraft can be covered by this type of policy. Here are some of the common types of boats that can be protected by boat insurance:

Houseboats

Houseboats are large boats that function as both a home and a vessel for transport. Houseboats usually have enough room to accommodate their owners in addition to providing space for storage.

PWCs (Personal Watercraft)

PWCs are small watercraft that are designed to be ridden by one or two people. PWCs are typically equipped with inboard motors, but some models can run on jet propulsion.

Kayaks

Kayaks are small, lightweight boats typically used for leisurely activities like fishing or paddling.

Canoes

Canoes are simple, lightweight vessels that are typically crewed by one or two people. They have a narrow body and are propelled through the water with a paddle.

Speedboats

Speedboats are lightweight vessels that are typically designed for racing or high speeds. Speedboats can vary in size and function, but they are typically equipped with much larger, more powerful motors.

Why is Boat/Watercraft Insurance Important?

A boat/watercraft insurance policy can protect you from liabilities and damages associated with owning a boat or PWC. This may include protection from liability in the case of injury to other people, damage to your craft or another’s craft, and more.

Get The Right Boat Insurance in Charleston, SC

There are different types of boats and watercraft that a boat insurance policy can protect. B&A Insurance LLC is here to help you get the coverage you want in Charleston, SC to protect your vessel. Call B&A Insurance LLC today to get started on your boat/watercraft insurance policy.

Umbrella Insurance Explained

Posted on October 15, 2021October 12, 2021 by admin

You can never predict life. A friend might come to enjoy a swimming session at your home, then slips and becomes paralyzed. Or perhaps, your dog can attack a passerby, inflicting severe injuries. Since we don’t know what the future holds, umbrella insurance can cushion you when the unthinkable happens.

But what is umbrella insurance? What does it cover? Do you want to find out? Keep reading as B&A Insurance LLC of Charleston, SC, shares basics you need to know about umbrella insurance.

What is umbrella insurance?

It’s a separate coverage on top of your boat, home, business, or auto insurance that adds extra liability coverage. Umbrella insurance comes in handy when your conventional coverages run out. For instance, assume you have liability coverage of $50,000 for your home. You throw a party, and an intoxicated guest falls off the balcony, injuring their spine.

While the accident was unintentional, you may still be held responsible for medical costs. Suppose the medical expenses of the injured guest rise to $75,000. While your home insurance will cover $50,000, you will have to finance the deficit of $25,000 from your pocket. And worse yet, this amount can go up if the guest sues you for lost wages, negligence, and so on. Thankfully, if you have umbrella insurance, it takes over from where your home insurance leaves off.

Now you see why you need umbrella insurance?

What is covered under umbrella insurance?

Since umbrella insurance is liability coverage, it covers other people and not you or your assets. For example, assume you cause a severe accident, causing multiple injuries. In this case, your auto insurance will pay your medical costs and physical damage to your vehicle.

On the other hand, your car insurance liability coverage will pay for the medical costs of the injured. However, since the accident was severe, the car insurance is likely to run out. And that’s where umbrella insurance picks off.

In summary, umbrella insurance covers you when others accuse you of:

Bodily injury
Property damage
Personal liabilities, including slander, false arrest, and libel

Are you looking for umbrella insurance in Charleston, SC? Don’t hesitate to get in touch with B&A Insurance LLC for a competitive quote.

FAQs About Flood Insurance

Posted on September 30, 2021October 12, 2021 by admin

Those living in Charleston, SC may have questions about why they recommend purchasing flood insurance for their home. Flood insurance is an add-on policy to help pay for damage associated with flood damage in a home and personal property. Many people do not believe they need flood insurance; however, a flood can occur anywhere at any time. Without it, you are left with the financial burden of paying for repairs to the home and replacement costs for your items.

Below are some commonly asked questions about flood insurance. If you still have questions, reach out to our agents at B&A Insurance LLC to get the answers you seek.

Why should I purchase flood insurance if I have a homeowners insurance policy?

Essentially, basic homeowners insurance policies do not cover damage or loss associated with a flood. Only a flood insurance policy covers the cost of repairs and replacement for damage and loss caused by a flooding event.

My community has never flooded, so I do not need to worry about flood insurance. Do I?

Flooding can occur anywhere due to inadequate drainage systems, melting snow, local construction, broken water mains, and summer storms. Even those in a high-risk flood zone only have about a one in four chance of experiencing a major flood during 30 years. Even if your community has never flooded, it does not mean it cannot flood.

If my home floods, would FEMA help pay for the damage?

FEMA only helps pay recovery costs when a flood is declared a federal disaster. However, not all flood events are significant enough to declare a community a disaster area. Therefore, chances FEMA will help pay for flood recovery are rare.

Charleston, SC residents can call the agents at B&A Insurance LLC for help answering their questions about flood insurance.

Why Insure Your Condo in Charleston, SC?

Posted on August 16, 2021August 8, 2021 by admin

Condo insurance, like housing insurance, is there to protect your investment property from damage or loss. Condos are individual units that people may purchase, fix up, flip, and rent out. Or you may choose to live in the property yourself during summers or other times. Whatever the case, you cannot afford to not protect it.

When you are looking to insure your condo in Charleston, SC, think about what you need to protect the most. Some of the most important things to cover in your policy are mentioned below.

Theft

Burglars can strike without warning. They may strike while you are asleep or even during the day when they think you are away working at your job. Whatever the case, it’s good to be prepared. Make sure you keep solid deadbolt locks on all of your doors and entrances. In addition, you will want to consider installing a security system. Thieves may hear about units that are not being used, so make sure you visit the condo often if you are not present at all times.

If the worst happens, if your condo is insured, you will usually be covered for theft and you’ll be able to get reimbursed for the loss.

Vandalism

Vandalism, another crime against someone’s property, involves the destruction of one’s property. If you do not have condo insurance, you may have to go to court to file for damages in a civil lawsuit. Even if the perpetrator is prosecuted, you may have problems getting your stuff back with insurance. Insurance allows you to replace your stuff and repair the damages to your investment property.

Fire Damage

Fires can break out quickly and destroy some or all of your property and contents. Having proper insurance can make it a less permanent loss. Look into getting condo insurance to protect yourself.

Water Damage

Water damage to a home or condo can cost thousands of dollars. It can occur due to pipe leaks, inadequate plumbing, or bad structures in the home. This is a potential disaster if you are not insured.

B&A Insurance LLC reminds you that these are just some of the things you have to look out for if you own a condo unit. Protect your investment by adding condo insurance so that you will be prepared if disaster strikes, no matter where it comes from. Visit with the professionals at B&A Insurance LLC for more information.

What is Gap Insurance and Do I Need It?

Posted on July 30, 2021August 8, 2021 by admin

Many residents of Charleston, SC don’t have gap insurance and they should! The team at B&A Insurance LLC is here to explain what gap insurance is and who needs it.

Gap insurance is an acronym for Guaranteed Auto Protection. The purpose of gap insurance is to reimburse the owner of a vehicle when the payment for a total loss is less then what the owner owes for the vehicle.

Gap coverage is not required insurance coverage, it is supplemental and not everyone needs gap insurance. Gap insurance coverage makes the most sense in these instances:

Car owners who lease rather than own a vehicle
Car owners who put no money down and choose an extended payoff period
Car owners who are financing their vehicles
Car owners who purchase vehicles that depreciate in value faster than others (for example, SUVs and luxury sedans)

Even if you need gap insurance when you purchase a vehicle, you don’t necessarily need to carry it for the life of your car loan or lease, once the value of your car matches what you owe, or you owe less than what the vehicle is worth, gap insurance is no longer a valuable insurance to carry.

Many lenders require borrowers to carry gap insurance on their vehicles and many dealerships will offer gap insurance at the time of purchase if you are buying a new car.

If you wreck your car, your insurance company will issue a check for the actual cash value of the vehicle which you can use to pay off the existing loan and put a down payment on a new vehicle with the remainder.

B&A Insurance LLC serving Charleston, SC can facilitate all of your Gap insurance needs, call us today!

Does Your South Carolina Commercial Insurance Need a Cybersecurity Boost?

Posted on June 14, 2021June 7, 2021 by admin

When you are looking for commercial insurance, you may want to consider adding cybersecurity protection to your policy. If your business and commercial data is exposed at the wrong time, or you experience a systems outage due to cybercrime elsewhere, your revenue can be protected.

At B&A Insurance LLC, we want Charleston, SC businesses to have a plan in the event of a cybersecurity crisis.

What Are Your Risks?

Cybersecurity solutions in an insurance product can help protect your business, its data, and revenue. This insurance will help you to plan for and manage a cyberattack.

The main risks to cybersecurity in your business are ransomware, malware, and hacking.
Ransomware is an event when a hacker hijacks your network and asks you to pay in order for you to get your data and networks back.

Malware is a dangerous software program or virus that is sent to you by a dangerous entity.

A hack is a hack. It can occur internally, or it can occur from an outside body. This occurs when someone knowingly steals information from your data centers, network, IT departments, or all of the above.

Any one of these scenarios will bring your business to a halt for just a few minutes. The longer your business is closed to manage these problems, the bigger the problem for you.

Cybersecurity solutions in an insurance product will help to protect your revenue from these problems.

Get a Quote

At B&A Insurance LLC, we can design a cybersecurity package with your commercial insurance so that Charleston, SC business owners feel protected against every risk. Get a quote for cybersecurity liabilities and data breach protection today.

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