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Minimum Car Insurance Requirements in South Carolina

Rather than being reactive, South Carolina is proactive in its mandate that each and every driver who owns a vehicle has the minimum requirements for car insurance. The minimum requirements for South Carolina are that you have liability insurance. Liability means that you will have coverage to take care of the expenses and damages you may have caused when your car collided with either a another car or a solid object, such as a storefront, a bus stop, or even a house.

In 2008, South Carolina was rated as the worst state in the nation for litter removal. Due to this neglect of the public roadways the state had gained the reputation of having an extremely high fatality rate. This was determined by National Highway Traffic Safety Administration data, which stated that the high incidence of accidents was due to the large amounts of litter and debris along the highway.

If you live in South Carolina you want to make sure that you have ample car insurance to protect you in case of an accident. South Carolina’s minimum car insurance requirements state that you need to maintain $25,000 in bodily injury coverage per person, up to a maximum of $50,000 for all people in the vehicle. Bodily injury covers both of medical expenses and funeral costs that arise from the accident. This part of your insurance is for the people that are injured by your car not for you or your passengers.

You also must have $25,000 in property damage coverage. Your insurance company will pay up to this amount to replace or repair the damage done by your vehicle to the property that was damage by your vehicle.

These amounts may seem like they’re more than adequate to take care of any expenses from the accident whether they are medical funeral or property, but what can quite often be the case is that the costs into the adding up to at least two or three times more than that. That is why these are just minimum requirements; most insurance companies encourage you to purchase more than the state minimum requirements to protect your loved ones and your personal property. So compare rates online to get yourself cheap car insurance in south carolina.

South Carolina has over 10 interstate highways, and 12 state highways. That means there are at least 22 main arteries traversing the state, as well and as main streets, and side streets that flow through every city. The natural byproduct of all these roads are cars, with lots of cars you end up with delete that you eventually end up with car accidents. No one goes out looking for a car accident at least we hope not, but in the event that you are in a car accident you will want to make sure that you are covered for the expenses that will happen in the aftermath of such an event. This makes getting a cheap car insurance in south carolina that much more important.