Columbia, SC – (WiredPRNews.com) In a new resource page published on OnlineAutoInsurance.com, the writers for the site explain the necessary and recommended types of car insurance coverage for residents of the Palmetto State and how they can find the best prices for a policy.
All South Carolina auto insurance consumers must have policies that provide protection for bodily injury and property damage liability, as well as uninsured motorist coverage. Bodily injury liability will go to pay for injury-related damages that others sustain in an accident caused by the policyholder. Property damage liability works the same way. Uninsured motorist coverage, which is not required in every state, will cover damages sustained by the policyholder if he or she comes into damage costs that are the result of an accident caused by an uninsured driver.
One reason that this uninsured motorist coverage is so vital to SC residents is that they have the choice to legally forgo the purchase of any car insurance by paying an annual $550 to the Department of Public Safety. Going this route, though, may be perilous. Drivers who pay the fee and go uncovered may be responsible for the costs of any damages they may incur. Considering the fact that the state’s average expenditure on coverage in 2008, according to the National Association of Insurance Commissioners, was only about $200 more than the annual fee to forgo coverage, purchasing a policy is likely to be the more cost-effective option.
Two other coverages that South Carolina drivers may want to consider are comprehensive and collision. These two types will protect policyholders financially from having to pay damages not covered under the state-required bodily injury, property damage and uninsured motorist coverages. Collision will cover physical damages resulting from collisions with objects like trees or other cars. Comprehensive protects against damages caused by things like flood damage, vandalism and theft, among others.
To access the new resource page with tips on finding the best policies in SC, readers can go to http://www.onlineautoinsurance.com/south-carolina/car-insurance-comparisons/ where they will also find a free-to-use quote-comparison generator that can jump-start the search for a quality policy.
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