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20 Chesterfield Hwy
Cheraw, SC 29520

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What auto insurance coverage is required in South Carolina?

Driving in South Carolina is a pleasure, but like anywhere else, it can be risky. Making sure that you have the right auto insurance is important. At Ingram Insurance in Cheraw, SC, we are an independent insurance agency. We can offer our customers more choices since we offer many different carriers. 

Auto Insurance Requirements

The auto insurance that is mandated by the state of South Carolina is 25/50/25. That is all liability coverage. $25,000 is for the first injured party in an accident that you are responsible for. The $50.000 is the total for all injuries in that accident, with an additional $25,000 for property damage. It is important to protect other people from you, but that doesn’t leave anything to protect you from an accident where you are at fault. 

If you don’t have a car loan, you can get basic liability insurance. But if you have a loan or a lease, you have to have additional insurance that the lender or the lessee will require. You will need to protect your car, so comprehensive and collision coverage is required. 

If, like most people, you use your vehicle every day, having it damaged so that you can’t drive will be a hardship. If you have the money to fix your vehicle or replace it yourself, then you don’t need to have auto insurance no matter where you live. But, if you can not do that, then having auto insurance will allow you to purchase a new car if necessary or get the repairs that your car needs to be made. 

Contact Us Today

Give us a call or stop by Ingram Insurance in Cheraw, SC to get a quote for auto insurance coverage or to ask us any questions you may have. 

How to Choose the Best Auto Insurance for Your Hybrid or Electric Car

Hybrid and electric cars are powered by electricity instead of gasoline or diesel. To get the best auto insurance for your hybrid or electric car, it’s essential to understand how these vehicles differ from gas-powered cars. Ingram Insurance in Cheraw, SC is here to assist with all related queries. 

Auto Insurance Options for Hybrid and Electric Cars

Although hybrid and electric cars differ in their makeup compared to gasoline-powered autos, each vehicle type requires auto insurance coverage according to their state’s legal requirements.

Below are four types of insurance coverage available for today’s high-technology vehicles:

  1. Liability Coverage – when SC drivers buy liability insurance, they are buying protection from lawsuits that may be filed because of an accident. For example, this coverage will pay for the costs of a lawsuit if someone is hurt due to your car crashing into theirs.
  2. Bodily Injury – includes injuries to people inside the car, such as passengers or drivers. This type of cover typically pays for medical expenses and other damages sustained by those involved in the crash.
  3. Property Damage – covers losses suffered when something inside or outside your car is damaged by an accident or the theft of items inside the vehicle.
  4. Comprehensive and Collision Coverage – protects drivers from all loss types, including those not caused by an accident and the costs associated with being involved in a crash, regardless of who was at fault.

Get Auto Insurance for Your Hybrid or Electric Car 

If you are in the market for auto insurance for your hybrid or electric car, Ingram Insurance can help! 

We offer a wide variety of policies to fit all budgets and needs, so you can be sure you’re getting the right coverage. Contact us today to learn more about auto insurance in Cheraw, SC.


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