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Should South Carolina Residents Add More Auto Insurance Coverage When Traveling Out Of State

New American Insurance offers custom policies to the Columbia, SC community. We want to help our clients protect their assets and alleviate some stress as they deal with life’s challenges. We are an independent insurance agency. We work closely with multiple insurance providers throughout the South.

Is Auto Insurance Necessary When Traveling Out of State

Auto insurance covers you while you use your vehicle to complete tasks. The policy gives you a safety net as you deal with the unpredictable nature of driving. Basic collision coverage takes care of any damages sustained when your vehicle hits something. If you opt for a comprehensive policy, your vehicle is protected in multiple situations. You are covered if someone attempts to steal your vehicle. You are covered if severe weather passes through the area and damages your vehicle. If you are held responsible for any damages or bodily injuries, liability coverage will protect you.

As the weather starts to warm up, many drivers look forward to taking special road trips. If you are planning a vacation away from Columbia, SC, your auto insurance may be impacted. If you are planning to travel from one state to another, your auto insurance will remain active. You will still be covered if you are involved in an accident while visiting Florida. However, if you are planning to travel out of the country, things may be different. Inquire about getting a temporary endorsement if you are traveling to Mexico or Canada. You want to avoid traveling abroad without having any protection if an unexpected accident occurs.

New American Insurance Will Help You Stay Safe On The Road

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What auto insurance is mandatory in South Carolina

Auto insurance offers a variety of different types of coverages. Some of them are mandatory, and others are voluntary. At New American Insurance in Lexington, SC, we are independent agents and offer plenty of choices for carriers. With more choices, you can pick a policy that fits your vehicle and your budget. 

South Carolina, like most states, has mandatory auto insurance requirements. It has three-part liability requirements for injury to a person, liability for property damage, and uninsured/ underinsured motorists. If the driver or passenger/passengers in a vehicle accident where you are at fault are injured, you need to have coverage of $25,000 for each person with a total of $50,000 for the entire accident. This can be medical bills, the loss of wages, or suffering and pain. 

The property portion is $25,000 and can be for the other vehicle, but it also covers things like a parked vehicle, fence, or other property damaged as a result of the accident. 

In the case of uninsured motorists, the law in South Carolina protects you. If your vehicle is damaged by a hit and run or an uninsured driver, you must have coverage that is the same as your property damage coverage. Underinsured motorist coverage must be offered to you, but you are not required to carry that coverage. 

The state does not require collision and comprehensive coverage. However, if you lease your vehicle or have an auto loan, chances are the lender or lessor will require that you carry it.  

New American Insurance has the experience residents of Lexington, SC have come to appreciate. For top-quality service and attention to detail, we are the ones to call. Please stop by our office or give us a call to discuss how we can help you find the auto insurance you are looking for. 

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