These types of damages are covered by a comprehensive or collision policy. They are optional complementary policies that are not a requirement. However, if you have a lease or applied for a loan to purchase your vehicle, you may be required to have coverage for physical damage to your vehicle. Before signing an application for insurance coverage, verify that the company and agent are licensed to do business in South Carolina.
Any deficiency in compensation for injuries caused by someone with inadequate insurance to cover their losses can be charged to their own insurance company, up to the limits of the policy. The three basic coverages sold under the liability system are personal injury liability insurance, property damage liability insurance, and coverage for uninsured drivers. Collision coverage pays for damage to your car as a result of a collision with another car, an object, such as a tree or telephone pole, or as a result of a rollover (note that collisions with deer are covered by the comprehensive plan). Uninsured motorist coverage can protect you if you're in an accident with an uninsured or underinsured driver.
Covered cars include those listed in the statements section of the insurance contract, a newly purchased vehicle, a trailer owned by a designated insured, or a temporary substitute vehicle. Protect other drivers if you cause them harm in the form of bodily injury or property damage. However, you may not cover it if you use your vehicle for business, even if you're just delivering pizzas or working for a rideshare company. Only New Hampshire does not require the purchase of car insurance if the driver can show that he has the financial means to pay for damages in the event of an accident.
An example would be property damage and personal injury that you intentionally caused, or damage to a vehicle due to normal wear and tear or mechanical breakdown. The PAP also covers vans or vans weighing less than 10,000 pounds, if not used for commercial delivery, except for the incidental use of installing, repairing, or maintaining furniture or equipment, such as a carpenter or plumber; or if used on ranches or farms. When liability is covered, the insurer has the right to investigate and resolve any claim independently of the insured. Car insurance, despite the name, covers most types of motor vehicles that are not primarily commercial vehicles, including cars, trucks, and vans.
This coverage helps pay for damage you cause to another vehicle or property destroyed in an accident. This will reimburse you for losses due to theft or damage caused by something other than a collision with another car or object. If the conditions set out in this section are not met, the insurer may deny coverage of a claim.
