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Charleston, SC 29407

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Cruising with Confidence: A Comprehensive Guide to Auto Insurance in the Palmetto State

Getting auto insurance in Charleston, SC doesn’t have to be complicated when you have the right support. Talk to an expert at B&A Insurance LLC to learn about the best coverage options for auto insurance. 

Why You Need Auto Insurance in South Carolina

Having auto insurance in the Palmetto State is a legal responsibility for all drivers. Drivers caught driving without insurance can be subjected to penalties, fines, and legal fees. South Carolina drivers must carry state minimum insurance to remain compliant with the law. 

Repeat offenders may face even steeper legal penalties or traffic citations and fines that can even include jail time. 

Legal Compliance

South Carolina law mandates that all registered vehicles must be covered for bodily injury or personal injuries that happen as a result of an automobile accident. 

Protection from Lawsuits

An active auto insurance policy with adequate coverage can help protect drivers from lawsuits for bodily injury or personal injury legal claims that arise from accidents. 

Automobile Repair or Replacement 

Drivers who opt for extended coverages like comprehensive and collision insurance extend the protections of their property. 

Comprehensive and collision policies add coverage for collisions and non-collision-related incidents, including automobile damage from natural disasters, vandalism, or theft. 

Frequently Asked Questions

Q1. – Who needs auto insurance in South Carolina?

All registered vehicles must be covered by adequate auto insurance. 

Q2. – What do comprehensive and collision policies cover in SC?

Comp and collision policies can protect from theft, natural disasters, and non-collision-related accidents.

Q3. Why do drivers need auto insurance in SC?

Drivers in SC are legally required to have auto insurance.

Schedule A Consultation Today!

A licensed insurance agent at B&A Insurance LLC in Charleston, SC can help you remain in compliance.

What Is The Purpose of Auto Insurance?

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

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.

What is Gap Insurance and Do I Need It?

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!


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