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Hi, I'm Mark Joye, Head of the Litigation Department at the Joye Law Firm.
Today, I'm going to talk to you about buying car insurance in South Carolina,
and how you can make some smart decisions about the coverage you buy.
I won't have a pet lizard, some guys playing ukulele or a guy destroying
everything you own.
These things may be funny, but they don't tell you anything about making smart
decisions
on how much coverage or what types of coverage to buy. Price alone is not the
only factor.
All too often a person's claim for damages is limited by the amount of
insurance coverage
someone either bought or forgot to buy, and their life is ruined because they
didn't know better
when they were purchasing this coverage. First coverage is 'liability coverage.'
The question here to ask, is if you cause a car wreck and hurt someone,
how much coverage should you buy to pay for that person's injuries
before your personal assets or risk. Yes,
just because you bought a certain amount of insurance coverage and he gets paid
does not insulate you from still being held responsible for
all the damages you caused. How comfortable are you with that risk?
The minimum amount of liability coverage required in South Carolina is twenty-five
thousand dollars per person.
We all hear about the rising cost of medical care,
I've seen plenty of situations where someone goes to the emergency room
after a car crash, and their ER bill alone exceeds ten thousand dollars.
From there, the bills can easily get to twenty five thousand dollars
real quick. Of course, buy the coverage you can afford,
but be mindful of the risk that you take if you buy too little coverage
and you cause serious injuries to someone. In my next spot,
I'll talk to you about buying uninsured and underinsured motorist coverage.
In the meantime, if you need help on your auto crash - just call Joye!