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Basic Car Insurance

The state of South Carolina requires you to carry a minimum of liability and uninsured motorist insurance to operate a motor vehicle. Driving without the minimum state required car insurance can lead to a misdemeanor charge and a significant fine for your first offense, and license suspension, higher fines, and potential jail time for multiple offenses.

Beware of cheap car insurance  as it does not guarantee minimum coverage so it is important to compare car insurance policies and understand the basic types of auto insurance available.

1. Bodily Injury Liability  - commonly referred to as liability insurance, bodily injury liability is required coverage to operate a vehicle in South Carolina. This covers injuries cause to someone else by your automobile. *required insurance*
2. Medical payments (Personal Injury Protection)  - any injuries that you or your passengers may incur are covered under the medical payments policy. Sometimes called a personal injury protection policy, this can be applied to medical payments, lost wages due to an auto accident injury, or even funeral costs in some cases.
3. Property Damage Liability  - similar to bodily injury liability, this covers damage you cause to someone else’s property. Property includes other cars, lamp posts, fences, buildings and other structures.
4. Collision  - typically required if you are financing your car. Collision coverage pays for damages to your car, even if you are the cause of the accident. This car insurance policy can even cover damage caused by potholes.
5. Comprehensive  - comprehensive auto insurance reimburses you for losses from something other than an auto accident including fire, natural disasters (earthquakes and floods), vandalism and riots, and contact with animals including birds and deer.
6. Uninsured or Underinsured Motorist Coverage  - if you are hit by a driver who is not carrying enough car insurance to cover your injuries and damages, uninsured motorist coverage can help cover the difference. This car insurance coverage also protects you in the event of a hit-and-run or if you are a pedestrian hit by a moving vehicle. *required insurance*

Your insurance agent will answer any questions you may have regarding insurance coverage and policies and can help you find the right auto insurance while staying in budget.

Don’t risk being underinsured in Conway! The independent insurance agents at Bradham Insurance Agency are happy to help you find the right car insurance policy for you. 

We treat each of our customers with respect and take the time to answer any auto insurance questions you may have.

When you call for a free car insurance quote, there is no obligation, so call Bradham Insurance Agency today for hassle-free, affordable car insurance in Conway, SC. +843-488-2886

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+843-488-2886 or visit our main website.