S.C. Comprehensive Auto Insurance Vs Liability Coverage
South Carolina auto insurance is necessary, and is required by state law. However, most S.C. residents may not realize that they could be paying too much for optional auto insurance coverage they don't need. For example, some South Carolinians are paying for comprehensive coverage when they own a car long past its replaceable life. This article is meant to help you understand the clear difference comprehensive and liability insurance.
Comprehensive & liability: Knowing the differences
When obtaining South Carolina auto insurance policies or quotes, one should consider the difference between these two options carefully.
- Liability Auto Insurance: Liability coverage protects the other guy. If you are involved in an accident where you are at fault, your insurance company will pay for the damage you do to the other person's vehicle, property or even the bodily injury you cause – up to the coverage limit you have purchased.
- Comprehensive Auto Insurance: This type of coverage protects your vehicle, even if you cause the damage. It provides protection from non-collision type accidents, such as trees falling or flooding. This protection is not required under South Carolina law, but it is always a good idea to have it, if possible.
As you can see, there is a big difference in these two forms of insurance. You are considering getting just the minimum required insurance in the state that may be okay for those vehicles that are over ten years old, which you can afford to replace. Also, note that the amount of coverage you have is important. Not having enough could mean putting your assets at risk if you cause an accident.
You do not have to guess about the costs associated with insurance. Rather, one of the most effective ways to determine the best plan is to request South Carolina auto insurance quotes right here!