Alternate Content
Home Page Get A Quote Customer Service About Us Contact Us Location Home Page Auto Insurance Home Insurance Life and Health Insurance

Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What are the minimum limits of liability coverage and uninsured motorist Coverage required in South Carolina? Is underinsured motorist coverage required?
  2. Does my liability insurance cover my broken windshield?
  3. Are there any specific time limits for an insurance company to pay for collision or comprehensive claims?
  4. May I keep my auto if I have a collision, limited collision or comprehensive claim and my insurance company declares it a total loss?
  5. Can the insurance company pay me less than Blue Book for my totaled vehicle?
  6. Who pays for the rental car while my car is in the body shop?
  7. An uninsured driver demolished my car! Who pays?
  8. I have a homeowner's policy. Is my home covered for damages caused by high winds or tornadoes?
  9. Will the damages, caused to my home by flood or rising water, be covered under my homeowners policy?
  10. What must I do after a loss occurs to my home or other property?
  11. How long should I wait for the insurance company to handle my homeowner's claim?
  12. Will my insurance policy pay for my family to live somewhere else while my damaged home is being repaired?
What are the minimum limits of liability coverage and uninsured motorist Coverage required in South Carolina? Is underinsured motorist coverage required?
$25,000 bodily injury per person
$50,000 bodily injury per accident
$25,000 property damage per accident 

Underinsured motorist coverage is not required
.


Back to Top

Does my liability insurance cover my broken windshield?
No, comprehensive insurance covers broken windshields. The deductible is waived for private passenger vehicles.


Back to Top

Are there any specific time limits for an insurance company to pay for collision or comprehensive claims?
 
In general, insurance companies should pay all claims in a prompt and reasonable amount of time. However, what constitutes "prompt and reasonable" may vary from claim to claim. Claims that require a special or extended investigation may take longer to resolve. Inclement weather conditions often cause an increase in the number of claims filed, and that can slow the process down as well.



Back to Top

May I keep my auto if I have a collision, limited collision or comprehensive claim and my insurance company declares it a total loss?
Your insurance company has the option to take title to your auto when it issues payment on your claim. The insurer is entitled to any salvage value your auto may have. You can, of course, retain the salvage by negotiating with your company on the salvaged value of your auto.  The Department of Motor Vehicles, in these cases, requires the insurer to attain your title from you and send it to them.  The Department of Motor Vehicles will reissue it to you with salvage on the title.


Back to Top

Can the insurance company pay me less than Blue Book for my totaled vehicle?
Yes. The Blue Book is only a guide. The company is required to pay you what your vehicle was actually worth (as a used car) the moment before the crash. The adjuster will find out how much used cars like yours (same make, model, year, and milege) are going for in your area. It's a good idea for you to independently research the value of your car too.

Back to Top

Who pays for the rental car while my car is in the body shop?
When the claim is against the other driver's company, the other driver’s company is required by law to reimburse your loss of use for what is reasonable and necessary.  However, some insurers will do a direct bill with a rental car company.
 
If the car is totaled, many companies pay for your rental or reimburse you until a settlement has been offered. 


Back to Top

An uninsured driver demolished my car! Who pays?
See question #1.  You are required to carry uninsured motorist property damage coverage.  This is the coverage that would pay you with a $200.00 deductible.  If your carrier collects from the uninsured motorist you should be refunded your deductible.


Back to Top

I have a homeowner's policy. Is my home covered for damages caused by high winds or tornadoes?
Most homeowner policies cover damages to the dwelling caused by tornadoes or other wind damage. The homeowner policy covers the dwelling and personal contents items inside the home. The homeowner policy also covers storage buildings and other outside structures on the insured premises, including personal items inside the building. 


Back to Top

Will the damages, caused to my home by flood or rising water, be covered under my homeowners policy?
Most homeowner and fire policies, with extended coverage, will not cover flood damages or claims resulting from rising water. Generally, a homeowner would need a flood insurance policy from the National Flood Insurance Plan to have protection for this type of loss.


Back to Top

What must I do after a loss occurs to my home or other property?
The homeowner's policy requires the owner to protect his property from further damage following a loss.  Generally, the cost of protecting the property from further damage is covered. Examples of the expenses covered include: tarps, polyethylene, lumber, shingles, sidings, etc. The homeowner should also begin making a list of damaged items for the insurance company. This will allow for the claim to be handled in a timely manner.

Back to Top

How long should I wait for the insurance company to handle my homeowner's claim?
Most individuals with insurance claims receive contact from the insurance adjuster within 48 hours after the claim is reported. The resolution period of a claim will vary, depending upon how extensive the damage from a catastrophe. Generally, the insurance adjuster will schedule a time to meet with the homeowner and adjust the loss.


Back to Top

Will my insurance policy pay for my family to live somewhere else while my damaged home is being repaired?
Most homeowner policies include coverage for additional living expenses. This coverage is designed to cover additional living expenses while repairs are being made to the damaged home. The company/agent should be contacted immediately.


Back to Top

Home Page Get A Quote Customer Service About Us Contact Us Location