Owning a vehicle requires traditional liability insurance. Liability-only insurance protects you financially if you’re found responsible for causing property damage or bodily injury to others when involved in an accident. It is the minimum level of auto insurance required by law in most states, but offers limited protection. If you’re in the market for liability insurance in South Carolina, C & H Insurance Associates, LLC can help you find a policy that is right for you.
What Liability-Only Insurance Covers
Liability insurance is typically split into two main components, protecting bodily injuries and property damage.
Bodily injury coverage helps pay for:
- Medical bills for those who have been injured in an accident you’ve caused
- Rehabilitation for ongoing care costs
- Lost wages for injured parties
- Legal fees or settlements if you are used
Property Damage Liability
This portion of liability-only insurance helps to cover:
- Repairs or replacements to another person’s vehicle after being involved in a collision or accident
- Damage to buildings, signs, property, and surrounding fences during an accident
- Legal costs that may be related to property damage claims
Liability-only insurance does not protect or provide coverage for repairs to your own car, medical expenses for you and your passengers, and damages from theft, weather, vandalism, or animal collision. Hit-and-runs are also not covered with liability-only insurance policies.
Protecting yourself anytime you’re on the road and behind the wheel is crucial and required by law. Without insurance, you face the risk of being held financially liable for property and bodily injury caused to others when you’re involved in a collision or accident. To learn more about liability-only insurance for your vehicle and to determine if it’s right for you in South Carolina, contact C & H Insurance Associates, LLC for your quote and consultation today.
