If you own a car in South Carolina, you need auto insurance. You see, that’s not just good advice—it’s the law. But some drivers don’t realize there are different types of car insurance policies to choose from. If you aren’t sure what you’re looking for, it can be confusing. Batesburg Insurance Agency wants you to understand exactly what we (or any insurance agent) are talking about when we help you choose an auto insurance policy. Here’s what you need to know about the types of car insurance that are required in South Carolina.

Liability Insurance

South Carolina requires drivers to carry a minimum amount of liability insurance. This type of coverage protects other drivers or property owners if you cause an accident that results in harm to them or anything they own. The minimum requirements are:

  • $25,000 for bodily injury or death per person
  • $50,000 total for bodily injury or death per accident
  • $25,000 for property damage

You may want to purchase additional liability insurance, as these minimums may not cover the cost of damages. Your insurance agent can help you make the best decision for your budget.

Uninsured Motorist Coverage

If insurance is required, why do drivers have to have uninsured motorist coverage? Many people don’t understand this part of the insurance law. You see, you can register as an uninsured motorist in South Carolina. For a fee of $550, you can apply for this status at the Department of Motor Vehicles. However, a long list of traffic violations will disqualify you from eligibility.

Uninsured motorist coverage protects you if you’re hurt or suffer property damage due to an accident caused by a driver without insurance. The minimum required amounts of coverage are:

  • $25,000 for property damage
  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident

As with liability insurance, you can purchase additional coverage to make sure you’re adequately protected.

Looking to increase your auto insurance coverage or start a new policy? Batesburg Insurance Agency will help you make the smart choice. Our independent insurance agency will shop among policies from many different carriers so you’ll get the best price. Request a quote today in Batesburg, Leesville, Columbia, Lexington, Irmo, Saluda, and surrounding areas of the South Carolina Midlands.