Standard car insurance covers the costs of driving-related personal injuries or accidents. However, your car insurance won’t work in every scenario. 

B&A Insurance, LLC, serving Charleston, SC, understands your unique situation. You may not require the same supplemental coverage as another motorist. 

When you call us for service, we can help you prioritize your insurance needs. To prepare for your consultation, consider some of these less common auto insurance inclusions.

Falling Objects

Examples include large hail from a storm or a tree that falls on your car, causing damage. Other debris, such as rocks or flying objects, could also hit your vehicle.

You’re not always responsible for the damage. That depends on where it occurred. However, if it’s on your property, you will need more than the standard liability auto insurance to cover it. 

Damage By Animals

Let’s say you hit a deer on the way home from camping. Otherwise, a dog with long nails clawed your new sports car paint job. If not that, maybe a mouse, squirrel, raccoon, or other animal chewed through your car’s electrical wiring. 

Your responsibility depends on the circumstances. Still, you don’t want to find out that your policy doesn’t cover it. 

Fire

In this case, it may depend on how the fire started. You might need to upgrade your policy for incidents caused by a forest fire. The same is true of engine fires not caused by a collision or accident. 

Vandalism 

If anyone intentionally smashes your windows with a hammer, it may require more than liability insurance. The same is true of tire slashing, body and paint scratching, or exhaust pipe removal. These usually require extra policy provisions. 

You don’t need to guess what auto insurance policy you need. B&A Insurance, LLC, serving Charleston, SC, can help you decide if you need comprehensive, collision, or other coverage. Contact us as soon as possible to learn more. 

In Charleston, SC, our team of qualified insurance professionals at B&A Insurance LLC helps car owners find coverage no matter how many vehicles they own. If you only have one vehicle, you may have different needs than someone with two or more vehicles needing insurance. For those with different kinds of vehicles such as exotic vehicles or antique cars, the question of whether they need more than one type of policy comes into play.

Look into Specialized Policies

If you have more than one vehicle, you may qualify for multi-car auto insurance policies. These policies are designed to cover more than one vehicle. They can be useful if you know that you’ll need coverage for more than one car when you’re shopping for auto insurance. They may also be your only option if you have more than one vehicle since a standard auto insurance policy that only covers one primary vehicle might not work for you.

Consider Your Types of Vehicles

Sometimes, you may have several vehicles that you use for different purposes. For example, if you have one primary vehicle that you use to commute to work and another antique car that you use as a hobby on the weekends, you may need a regular auto insurance policy and a classic car insurance policy to address both of those cars’ unique features. When one of your vehicles is used for business activities, you might want to consider getting a commercial auto policy for that one instead of including it on a regular auto insurance policy to protect it from liability.

From those who own several vehicles to those who only own one in Charleston, SC, call our team at B&A Insurance LLC to see how we can help protect all your cars.

When you purchase auto insurance in Charleston, SC, it’s always a good idea to include uninsured/underinsured motorist coverage on your policy. At B&A Insurance LLC, we offer this important type of auto insurance coverage.

The following are four reasons why your auto insurance policy should include uninsured/uninsured motorist coverage:

Drivers without insurance are unfortunately common.

You shouldn’t operate under the assumption that every driver out there is adequately insured. The truth is that many drivers try to get away with not purchasing insurance. Fortunately, you’ll be covered when you get in an accident with such drivers if you have uninsured/underinsured insurance coverage. 

Even insured drivers might not have enough liability coverage.

If you get in an accident with a driver who is insured, that doesn’t mean that driver’s insurance coverage will be enough to cover the damages you face.

Many drivers are underinsured or only invest in the minimum amount of liability coverage required by law. Minimum coverage often proves to be inadequate to cover the total expenses that result from a bad accident. 

Uninsured/underinsured motorist coverage gives drivers more peace of mind.

Drivers often worry about the possibility of getting in an accident. There’s less to worry about when you’re carrying uninsured/underinsured coverage, so you enjoy more peace of mind on the road. 

Uninsured/underinsured motorist coverage can protect a driver’s finances.

A bad accident can lead to severe financial issues for consumers who don’t have enough insurance coverage to rely on. Uninsured/underinsured motorist coverage can minimize the financial consequences of a bad accident. 

Reach Out To Us

You need to get auto insurance quotes from insurance providers in Charleston SC if you’re on the market for coverage. Call us at B&A Insurance LLC to get a quote on an auto insurance policy today!

Getting auto insurance in Charleston, SC doesn’t have to be complicated when you have the right support. Talk to an expert at B&A Insurance LLC to learn about the best coverage options for auto insurance. 

Why You Need Auto Insurance in South Carolina

Having auto insurance in the Palmetto State is a legal responsibility for all drivers. Drivers caught driving without insurance can be subjected to penalties, fines, and legal fees. South Carolina drivers must carry state minimum insurance to remain compliant with the law. 

Repeat offenders may face even steeper legal penalties or traffic citations and fines that can even include jail time. 

Legal Compliance

South Carolina law mandates that all registered vehicles must be covered for bodily injury or personal injuries that happen as a result of an automobile accident. 

Protection from Lawsuits

An active auto insurance policy with adequate coverage can help protect drivers from lawsuits for bodily injury or personal injury legal claims that arise from accidents. 

Automobile Repair or Replacement 

Drivers who opt for extended coverages like comprehensive and collision insurance extend the protections of their property. 

Comprehensive and collision policies add coverage for collisions and non-collision-related incidents, including automobile damage from natural disasters, vandalism, or theft. 

Frequently Asked Questions

Q1. – Who needs auto insurance in South Carolina?

All registered vehicles must be covered by adequate auto insurance. 

Q2. – What do comprehensive and collision policies cover in SC?

Comp and collision policies can protect from theft, natural disasters, and non-collision-related accidents.

Q3. Why do drivers need auto insurance in SC?

Drivers in SC are legally required to have auto insurance.

Schedule A Consultation Today!

A licensed insurance agent at B&A Insurance LLC in Charleston, SC can help you remain in compliance.