There are five major types of auto insurance in the United States: liability, collision, comprehensive, non-standard, and UBAA. 

If you are buying a new car, ensure the dealer is aware of your state’s requirements and get adequate coverage. For questions in Spartanburg, SC, consult Allsurance Group. 

What Else to Know 

In the United States, there’re mainly comprehensive and liability. Most people buy comprehensive coverage, as it’s required by law to cover damage to others and their property. 

However, liability insurance can also help protect you against lawsuits if you’re in an accident. What you purchase depends on your needs and the risks you face. To find the type that is right for you, talk to your agent about the different types of coverage and how they work. 

There are also policies that cover your car’s parking and wind/riding/snow/hail. If you have a car with a high value, you can purchase a “luxury” policy that offers more coverage for a higher price. 

• Liability: It insures if you injure a person or someone’s damage. The coverage amount is typically between $100,000 and $300,000 per incident. 
• Collision: It caters to repairs after an accident with another vehicle. The deductible is usually between $100 and $1,000. This means you have to pay out of pocket for some expenses before your insurance starts paying for repairs. 
• Comprehensive: This type of coverage helps pay for damages to your car from non-collision incidents like theft or vandalism. It also covers weather-related damages like hail or flooding up to a certain amount per incident. 
• Rental Reimbursement: If you end up having to rent a car after an accident, this coverage will cover the cost of renting one while yours is being repaired. It can also cover fuel costs if your vehicle needs to be towed back to your home or business because it’s not drivable due to damages that aren’t covered by other insurance policies

Summary 

You can purchase other kinds of coverage such as anti-theft. The most important thing is to research the different types of insurance and find one that best fits your needs. For help in Spartanburg, SC, visit Allsurance Group.

Being in a car accident could make you worry about what to do because it is not always known how to manage to call the police, for example, and even get information from witnesses. You may think the accident should stay put, too, however, you should move the vehicles so that they are not in the traffic area. Driving safe will help you get your best rate from the Allsurance Group in Spartanburg, SC, however, if you are struck by a different vehicle or there is some problem that caused your accident, you may need to learn or review any steps for managing these ambiguities during your car accident. 

In South Carolina, you could call the police for any accident or just one with major damage and an injury or even a severe problem like death from the accident. If you decide to manage this yourself, there is a form, a Traffic Collision Report, that you would need to complete and send by mail to the address on the form within 15 days of the accident. You could do this instead of waiting for the law enforcement employee to get there if this is a small collision and is easy to manage. If there are witnesses, you get their information, like their contact details, so that your insurance company could contact them, too.

Be certain you are safe, most of all, and move your vehicle right away, if possible, away from the traffic, and remember to call the emergency number 911 if you need assistance from the police and if there is an injury, the ambulance. Your Allsurance Group in Spartanburg, SC would help you with managing this problem. You would contact them to get your claim information, too.

If you are a vehicle owner, you will need auto insurance to protect you from liability and loss. The Allsurance Group serving Spartanburg, SC, wants you to know more about the three types of auto insurance that you are required to have as an automobile owner in SC.

Bodily Injury Liability Insurance

This state-required insurance provides financial cover if you should cause someone bodily injury or harm due to the accident where you are at fault. This policy should cover or contribute towards medical expenses, verifiable loss of income, and pain and suffering. Medical bills are often high and may exceed the state-required cover. It is important to review the limits of your policy and adjust them if necessary.

Property Damage Liability Insurance

This state-required insurance provides financial cover if you cause damage to another vehicle in an accident or collision for which you are liable. The good news is that it may also cover damage to other physical property such as walls, fences, and equipment.

Uninsured Motorist Coverage

This state-required insurance is for your protection. It provides financial cover if the other motorist in a collision or accident is at fault and does not have insurance. It contributes towards expenses related to your bodily injuries or property damage. Uninsured motorist coverage also provides cover in the event of a hit and run driver. This insurance usually carries a deductible.

SC is a tort state and assigns blame to the driver at fault. Therefore, it is vital that you review your auto insurance and, particularly, your liability insurance to make sure that it is adequate.

Take action!

For peace of mind, review your mandatory auto insurance policies by speaking to the friendly folks at the Allsurance Group serving Spartanburg, SC today!

Most drivers will only have a policy that covers liability and damage caused to them by an uninsured motorist. This minimum is necessary to keep the cars rolling, but it’s only one potential benefit of an auto insurance policy. Allsurance Group recommends considering the following as add ons to your policy to round out your coverage.

Collision Coverage

Collision coverage is an add-on that pays benefits when your vehicle is damaged by another motorist, whether or not they have their own insurance. The financial damage from an accident can easily be more than the value of the other motorist’s coverage, leaving you unable to pay the repair bills. You can add on collision coverage based on your vehicle’s value to keep that from happening.

Comprehension Coverage

Comprehensive coverage is similar to collision coverage, but it expands the covered perils to a wider range of causes. Your car typically isn’t covered in a homeowners’ insurance policy, so damage to it from a fire or storm won’t be covered by it or a collision coverage policy, and natural events don’t carry liability insurance. With this add-on, nearly any form of damage to your vehicle won’t be solely your responsibility to fix.

Medical Payment Coverage

Medical payment coverage, referred to as personal injury protection (PIP) for Spartanburg SC consumers, covers the cost of medical bills for yourself or your passengers in case of an accident. Injuries from an accident can exceed your healthcare insurance without this.

Ask about Your Options

You won’t know which options are available or how much you’ll benefit from them until you talk with an agent who can go over the details of your situation. Residents of Spartanburg, SC can message or call us at Allsurance Group for assistance tailored to South Carolina law.

South Carolina has strict auto insurance laws that require every vehicle in the state to be covered by at least the minimum amounts mandated by law. However, in South Carolina, the minimum amounts of coverage that you must have are relatively low, and this can leave you vulnerable to lawsuits and other legal and financial problems. If you have no insurance at all, the state can charge you with a specific fine that is charged for every day the vehicle is not insured. To get your vehicle insured, contact us at Spartanburg, SC in Allsurance Group.

Bodily Injury Coverage

The state mandates that you have bodily injury coverage that is for anyone injured in an accident that you cause. This is called bodily injury liability, and there is a minimum amount required for a single person who becomes injured in an accident and another for everyone who suffers an injury from it. In addition, there is an amount required for one person injured in an accident with an uninsured motorist and a higher amount required for everyone who is injured. 

Property Damage Coverage

Medical bills aren’t the only bills that come after an accident. There may be property damage that is caused by your vehicle, and you are required to have coverage for this as well. There is a set amount required for your property damage liability and another amount required for property damage in an accident with an uninsured motorist. The liability coverage pays for someone else’s property damage while the uninsured motorist coverage is for your own vehicle. 

Get Your South Carolina Vehicle Covered

It certainly doesn’t pay to go without auto insurance. In fact, it can cost you quite a bit. To make sure that you have enough auto coverage, give us a call at Allsurance Group in Spartanburg, SC. 

We cannot stress enough that auto insurance is a must-have investment if you own a vehicle in Spartanburg, SC, and other parts of America. While auto insurance is mandatory in South Carolina, car insurance comes in handy when faced with unfortunate events. Auto insurance provides liability protection, protects your assets, and pays for medical expenses when involved in an auto accident. 

Regrettably, you might find many motorists without auto insurance. While there are many reasons people choose not to buy auto insurance, misconceptions around car insurance contribute to this trend. In light of this, Allsurance Group is here to debunk common auto insurance myths. 

Myth #1: Color affects your auto insurance rate

You might have heard that color, especially red color affects your auto insurance premium. The truth is that insurers don’t factor in the color of your vehicle when computing the insurance rate. In fact, your insurer doesn’t even know the color of your vehicle. Claim history, age, model, location, and driving history are some factors considered when establishing your auto insurance rate — color isn’t one of them. 

Myth #2: State-required auto insurance is adequate

South Carolina requires motorists to have at least property damage and bodily injury liability coverages in their auto insurance. While purchasing these coverages is vital, they are never adequate. You need to consider other auto insurance coverages like comprehensive, collision, PIP, and roadside assistance coverages for maximum protection. 

Myth #3: A traffic ticket automatically increases your auto insurance rate

Although getting a driving ticket isn’t something to be proud of, if minor, it has no impact on your auto insurance rate. However, the problem is when you have multiple traffic tickets — they can increase your auto insurance premium. 

Myth #4: Comprehensive coverage protects you against everything

Perhaps, because of the name comprehensive, many people assume that comprehensive coverage protects you against everything. The truth is that comprehensive coverage protects your vehicle against physical damage from perils like theft, fire, falling objects, and several natural calamities but excludes collision-related risks.

Buy auto insurance today!

Are you looking for auto insurance in Spartanburg, SC and its environs? Please contact Allsurance Group for an affordable quote. 

People that live in and around Spartanburg, SC will want to own a vehicle as it can make living in the city more efficient. As you are looking to buy a new vehicle, you need to make sure you consider your insurance needs. Owners of vehicles in this state should get an appropriate auto insurance policy for a few important reasons. 

Insurance Coverage Ensures Compliance with Requirements

One of the reasons that people here should get auto insurance is because they will likely have insurance requirements they need to follow. Most vehicle owners in South Carolina will have taken out a loan when they bought the vehicle. Along with the loan, they will have signed an agreement saying they will maintain full insurance protection. Further, drivers in this state need to have liability insurance to comply with the law. 

Insurance Protection Offers Valued Coverage

Even if you were not obligated to carry insurance, having it would still be a great investment. With an auto insurance plan, you will have the coverage needed to repair or even replace the vehicle following an accident. Additionally, you will have liability protection that will be helpful if you are ever found responsible for an accident that resulted in damages, which you would typically be responsible for.

Picking an insurance policy for your vehicle is very important. When you are in the Spartanburg, SC area and looking for a new plan, calling the team with the Allsurance Group would be a great idea. If you do call the Allsurance Group will get to learn a lot about how auto insurance will protect you and your vehicle. The team can offer you all the support and guidance that is needed to choose a new plan that is ideal for your situation. 

Auto insurance may not always be straightforward to understand and some terms might be confusing. It can be a good idea to speak with a reputable insurance agent to get a better understanding of what certain terms mean in your policy. At Allsurance Group in Spartanburg, SC, we have helped countless clients understand the ins and outs of their auto insurance policies. We have worked for years to find the most affordable rates of the highest quality auto insurance possible.

Auto Insurance Terms Worth Knowing

It is important to understand your insurance policy and what is covered. There are many terms used in auto insurance. Here are some common terms you may hear or see in your auto insurance policy:

• At-fault Accident – This is when you are the cause of an accident.
• Comprehensive Coverage – Pays to repair your vehicle after nonaccidental-related issues like fire or theft.
• Deductible – A determined amount an insurer pays after a claim.
• Full Coverage – Type of insurance that includes liability, comprehensive, and collision.
• Primary Use – How your vehicle is most often used.
• Underwriting – Method used by the insurer to calculate rates.
• Limit – Maximum amount paid by your policy.

There are many more terms you might see and an experienced agent will be able to help you with any questions you may have.

Quality Auto Insurance in Spartanburg, SC

Contact us at Allsurance Group in Spartanburg, SC to speak with one of our agents about affordable auto insurance for your vehicles. We have years of experience helping customers get the best rates and policies to match their needs. We look forward to serving you in Spartanburg, SC.

The Spartanburg, SC area can be a great place to live. Those that are in this area of the state will find that the city offers a lot of great professional opportunities and fun recreational options in the area. One way to ensure that you are able to access all of these amenities, getting a car is a great idea. Along with a car, you need to get auto insurance in this area. There are several situations when someone should obtain this coverage. 

Those with Auto Loans

A scenario when someone should get auto insurance in South Carolina is when they want to take out an auto loan. If you have used a loan to buy a car there will likely be some insurance requirements that you need to meet. Most lenders will require you to carry collision and comprehensive auto insurance as it will properly protect their collateral. 

Those that Want to Drive

Even if you own a car without a loan you are still going to have auto insurance requirements. In the state of South Carolina, all people are required to carry liability auto insurance whenever they take a car out on the road. This coverage ensures that drivers can afford to pay for damages they could cause during an accident. If you do not have this protection, you will not be in compliance with state laws and could face several different penalties. 

When you are looking to get an auto insurance plan in the Spartanburg, SC area, it would be wise to call Allsurance Group. When you do call Allsurance Group you can learn a lot about your options. The team will assess your situation and give the guidance you need to pick a plan that properly protects you. 

Your car is a valuable asset. With today’s advanced technology, it can be more difficult for a thief to gain access to your vehicle, but it does happen. Residents who live in Spartanburg, SC are able to learn proven techniques that will help them protect their vehicles from theft. The agents of Allsurance Group are constantly working to provide their clients with up to date information.

Keep Your Car Locked at All Times

Whenever you leave your vehicle, even if it is for just a few seconds, lock your car, and set your alarm. Most newer cars make this incredibly easy by simply double-clicking your remote. Locking your car not only prevents your car from being stolen, but it also protects any valuables you may keep in your vehicle.

Park in a Well-Lit Area or in a Garage

Parking in a garage is preferable because it provides the most protection. An alternative to parking in a garage is parking in a well-lit area. The more light around your vehicle, the less opportunity a thief has to try and gain entry without being seen. While it isn’t always effective, it’s your best option outside of an enclosed garage.

Keep Valuables Hidden

Another way to make your vehicle less appealing is to always hide your valuables. Put them in the console, glove box, or trunk. Most thieves target a vehicle by what they see when they look inside. If things are hidden, it may be the deterrent you need to keep your vehicle safe.

The agents of Allsurance Group can help Spartanburg, SC residents keep their vehicles more secure and safe from break-ins. Call them today and get the advice you need about keeping your vehicle from becoming a target.