Affordable Car Insurance For
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There is much to know about auto insurance in order to fully understand what you're paying for. The following information provides a quick education to help you understand the choices involved in purchasing auto insurance in SC.
Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident in South Carolina:
Within the three broad coverage categories listed above, an auto insurance policy is comprised of additional types of coverage. Most states require you to buy some, but not all, of these coverage options. If you're financing a car, your lender may also have requirements. Contact the Manning Insurance Agency for assistance in developing an auto insurance policy that fits your needs in South Carolina.
Car Insurance Coverage Basics:
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Commercial Vehicle Insurance
As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. The Manning Insurance Agency will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverage options are the same, a business auto policy differs from a personal auto policy in many technical respects.