Car insurance is more than a legal requirement — it’s financial protection and peace of mind on the road. Whether you’re a new driver or just reviewing your current policy, this guide will help you understand what car insurance covers, how state minimums compare to full coverage, what affects your rate, and why insurance matters (specifically for North Carolina, South Carolina, and Georgia).
What Car Insurance Covers
1. Liability Insurance (Required in NC, SC, and GA)
Bodily Injury Liability: Pays for injuries to others if you’re at fault.
Property Damage Liability: Covers damage to other vehicles or property.
2. Collision Coverage (Optional)
Pays to repair or replace your vehicle after a collision — regardless of fault.
3. Comprehensive Coverage (Optional)
Covers non-collision incidents like theft, fire, vandalism, falling objects, and natural disasters.
4. Uninsured/Underinsured Motorist (UM/UIM) Coverage (Protects you if you’re hit by a driver with little or no insurance)
North Carolina: Required by law (must match your liability limits).
South Carolina & Georgia: Optional, but highly recommended.
Need help comparing policies or finding the best rate? Contact us and will explore your options today!
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