THURSDAY, NOVEMBER 30, 2023
Auto insurance is one of the most frequently purchased types of insurance in the United States. These policies provide critical financial protection from the consequences of incidents involving motor vehicles. In addition to providing such fiscal security, certain parts of auto insurance are also often legally required.
In South Carolina, motorists are mandated to retain minimum levels of bodily injury liability and property damage liability coverage, as well as coverage for uninsured and underinsured motorists. However, acquiring and maintaining an auto insurance policy that includes additional features may also be advisable. 
Nonrequired Auto Insurance Coverages for South Carolina Vehicle Owners
When making decisions about auto insurance policies, motorists should take time to understand and consider the following features:
- Collision coverage—This feature of auto insurance can provide financial assistance if a policyholder’s vehicle is damaged after striking another vehicle or a stationary object, such as a building, guardrail or signpost.
- Comprehensive coverage—This type of coverage can help pay for repairs made necessary by many common incidents not included in collision coverage, such as fires, severe weather, theft and vandalism.
- Medical payments coverage—Also known as MedPay, this component of an auto insurance policy may provide financial assistance for health care costs accrued by a policyholder, other insureds and their passengers following an accident, regardless of who was at fault.
Why Is Auto Insurance Beyond Minimum Requirements Important?
Although the aforementioned types of coverage may not be legally required, responsible vehicle owners and operators should still strongly consider them. After all, without these additional protections, a single incident could leave a policyholder without sufficient means to recoup their losses, repair their vehicle or financially recover. Even those who obey all rules of the road, drive safely and diligently maintain their vehicles may eventually accrue damages from circumstances beyond their control, such as weather-related perils. As such, maintaining coverage beyond the minimum requirements of South Carolina could prove to be a critical investment.
Get the Right Coverage
Dixon Blackwood Insurance Agency Inc. has a history of serving families and individuals in Sumter, Summerton and the surrounding areas since 1991. Our dedicated staff will draw on this extensive knowledge and experience to help South Carolina motorists secure and retain auto insurance policies that can financially protect themselves and their vehicles. Visit our website or call one of our offices today for a personalized quote or to learn more about your options.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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