Motorcycle Insurance In South Carolina

What Are Some Things To Consider When Buying Motorcycle Insurance in South Carolina?

When buying motorcycle insurance in South Carolina, there are multiple things to consider:

• Minimum Coverage Requirements: South Carolina requires a minimum amount of liability insurance coverage for motorcycle owners. The minimum requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.
• Coverage Options: Determine which types of coverage you need and how much coverage you want. In addition to liability coverage, you may want to consider collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage.
• Deductibles: Decide on the amount of deductible you're comfortable with. A higher deductible will result in lower premiums, but it also means you'll be responsible for a larger portion of the costs in the event of a claim.
• Discounts: Ask about available discounts, such as safe driver discounts, multi-vehicle discounts, and discounts for completing a motorcycle safety course.
• Exclusions: Be aware of any exclusions in your policy, such as coverage for aftermarket parts or accessories.
• Limits: Determine how much coverage you need for each type of insurance. It's important to choose limits that will adequately cover your potential losses in the event of a claim.