What types of losses are covered by auto insurance in Orangeburg County?
Orangeburg County, SC – While all drivers are required to have basic liability coverage in South Carolina and other states, each driver’s auto insurance policy will only cover certain types of damage and loss. Each policyholder should discuss their specific coverage options with their insurance company in order to decide if they need to purchase additional types of protection. However, drivers should be aware that policies with additional types of coverage tend to cost more, so the person should balance their risk of each type of damage against the additional costs.
After a collision, it is recommended that the driver meets with an attorney to discuss the insurance process and see if a lawsuit against the person or business responsible for any injuries or other losses is necessary.
Liability Coverage
The main type of coverage that all drivers need in South Carolina and other states is liability. This is a form of coverage that pays for damage caused by the policyholder, but it does not cover the policyholder’s own personal losses. The liability amounts for drivers in the state are for $25,000 worth of damage to property and personal injuries for each person, or a total of $50,000 per accident. The state also requires liability for uninsured or underinsured motorists of the same amounts. This additional type of liability coverage is meant to protect those who get into an accident with someone who is driving without insurance, or if their policy is insufficient to cover any losses.
Collision coverage
While not always required by law, cars that are financed by a loan or those that have a lien on them are usually required to have collision coverage. This will pay for damage to the policyholder’s car, although there is a deductible that must be paid out of their own money before the insurance company will pay for the rest of the damage. Drivers with newer or more valuable cars will almost always want some kind of collision protection.
Comprehensive coverage
This is an optional type of coverage that is not required, and it provides protection against incidents that are not necessarily tied to car collisions. Comprehensive coverage helps the driver pay for losses related to crime such as theft or vandalism, weather damage from things like hail and flooding, or other less likely incidents such as damage from a fire or other unexpected problems.
Assistance from attorneys in South Carolina
The Clekis Law Firm deals with accident lawsuits and the process for victims to receive compensation. Anyone who needs to speak with a personal injury lawyer in Orangeburg County can contact the firm to schedule a meeting for more information.
Firm contact info:
171 Church St., Charleston SC, 29401
843-900-0000
clekis.com
