Do You Have Enough Auto Insurance Coverage?
In South Carolina the minimum coverage for your automobile is 25/50/25. The first two numbers refer to bodily injury limits and the last number refers to property damage. This means that if you were to get into a car accident, each person would receive a maximum of $25,000 with only $50,000 per accident. This minimum is mandated by S.C. Code ยง Ann 38-77-140. Uninsured Motorist is also mandatory, but you should have more than minimum coverage which is also 25/50/25.
The following are a few options for car insurance that I believe you should have. Personal Injury Protection/Medpay which would pay your doctor bills no matter who is at fault. There is also Under Insured Motorist coverage (UIM) which would cover you if the at fault driver does not have enough liability coverage to cover all of the damages. The next optional insurance coverage is Comprehensive/Collision which would allow you to pay a deductible to get your car repaired for damages other than a car wreck like hail, fire, theft, weather, etc. The last type of coverage that you should have, but is optional is GAP coverage. This covers the difference between what the insurance company says your car is worth and the amount left on your loan.
According to a study done in 2005 by the South Carolina Department of Public Safety, there is one traffic crash every 4.6 minutes. It is important to be prepared for the negligent person who is not following the law or who does not have enough coverage. The insurance salesman can adjust the limits to suit your needs and your budget.
If you have been injured in an car accident, please call one of our South Carolina attorneys for a free consultation.
If you have been hurt in a car accident by someone who is underinsured or has no coverage please call one of our Myrtle Beach South Carolina car accident attorneys. Our car crash attorneys also practice in Charleston, South Carolina, Florence South Carolina and Columbia South Carolina.
