How Much Auto Insurance is Enough
Auto insurance blends several types of coverage into one policy. Typically, your policy will include some
combination of comprehensive, collision, medical, liability and uninsured motorist coverage.
North Myrtle Beach Auto Insurance Needs
Every person is unique. To determine your car insurance needs, consider:
- Liability pays for the damage
you cause to others if your car is involved in an accident. It also protects you from being wiped out
financially if you are sued following an accident. The greater your assets, the more you stand to lose.
If you have substantial financial resources, you may need liability coverage that exceeds the coverage
that you'll get from an auto insurance policy. In that case, a personal umbrella policy
can provide the extra liability protection you need.
- Collision covers damage to your car from an accident. the Gardiner Marek Agency
can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance
with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's
worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
- Comprehensive coverage pays for your car if
it is stolen, vandalized or damaged in some way other than in a collision.
- Medical coverage provides for medical expenses to you and your passengers that
are the result of an accident. The way you use your car may make a difference in the amount of medical
coverage you need. For example, we might suggest more coverage for a parent who regularly takes a
carload of kids to soccer practice than for a driver who expects to drive mostly alone.
Keep in mind that South Carolina requires certain minimum levels of coverage. The right
South Carolina car insurance coverage for you is unique - talk to us
today to find out how to get the best price and value on North Myrtle Beach
auto insurance for you.