South Carolina Auto Insurance

South Carolina Auto Insurance questions and answers

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Q: South Carolina Auto Insurance Law?
A couple of weeks ago somebody hit my parked car in the parking lot of a Best Buy store. Luckily, I walked out of the store just at the perfect time to catch him in the act. Now I am working with his insurance company, but they are telling me a couple of things that don't really sound right to me... can somebody verify? a.) South Carolina law states that used parts can be used to fix my car, as long as they are in "like-new" condition, and are not older than my vehicle. b.) I must get my car fixed; I am not allowed to simply take the check. c.) I must get my car fixed where they tell me to get it fixed. Just some details, I have a New York State license and car, the accident happened in South Carolina with a South Carolina driver. Can somebody help me out here?

A: Hope I can help clear this up a bit for you. I work in insurance. A - SC law states that used parts can be used to fix your car, as long as they are in "like-new" condition. This is 100% true. There is a coverage (in SC called OEM) which will guarantee brand new parts for your vehicle, however 9 out of 10 people don't have this coverage, or even know it exists. B - You must get your car fixed, you are not allowed to take the check. - This is not correct, as far as I know. While insurance companies insist that you fix the vehicle, once they hand that check over to you, they no longer have any say in what you do with it. However, if you have a Lien on it, they do have the right to make the check out to you and the lien holder, thereby 'forcing' you into the repairing the vehicle. C - You must get your car fixed where they tell you to. This is INCORRECT. You ALWAYS have a choice of where you'd like to get your car fixed. If they tell you they want it fixed at a dealership, you can decline and tell them you want it fixed at Bobby Joe's Jiffy Lube. Insurance companies will have certain companies that they use as a right arm basically. They may tell you to visit one of these certain companies. What happens is that the adjuster then does not have to check the vehicle out personally. He takes the word of the repair shop, and just pays what they tell him to. If you decide not to go that route, the adjuster may find the shop you've chosen to be too high. If that happens, he will only pay you what he thinks the parts and damage are worth. I hope this helped a little. If you need anything else, just send me an email and I'll try to help! Good Luck!

Q: I have an Auto Insurance policy in South Carolina Will My 15 year old son automatically be added to my policy?
Once he gets a Beginners Permit? So if my insurance Company, automaticaly added my son when he turned 15 is this legal? They told me it was part of the SC law?

A: No, and he won't need to be added until he gets his actual license, because he won't be driving alone until he does. Once he does you will need to notify your agent he has a license, and he will have to be either added to your policy at that time, or excluded.

Q: Cheapest auto insurance for teen drivers in South Carolina?
I'm about to start driving in a year or two, and I want to know what the price range for me would be?

A: For teenagers, car insurance is always going to be a bit expensive. Your rate might be lower since you are a girl. After all, you are a new and inexperienced driver. That's a big risk for insurance companies! This free educational site lets you and your parents get insurance quotes from a bunch of reputable car insurance companies: http://www.driversedguru.com/product-reviews/insurance-for-new-drivers/ You should also ask about getting a discount if you have good grades or take a driver's education course or defensive driving.

Q: anyone know where you can go to get insurance license in south carolina?
just to sell auto insurance?address would be great!

A: Where do you plan on selling this "insurance"? What company product do you plan on selling? Start with a local brokerage, or the local office of a national insurer like State Farm. If there is a need for licenced professionals, as there is here in Manitoba, they will interview you to assess your aptitude and employability. Next comes the criminal records check, and enrollment in the first courses you need, and you are allowed to observe transactions until you pass your first level of licence.

Q: Homeowners Insurance for Coastal South Carolina?
I am looking to buy a home in Summerville & just got a quote for homeowners insurance and was shocked........ A sale price of $220k and they want $2,700 a year for just home coverage, no autos. Many companies will not quote west of 95 & consider Summerville coastal. Anyone have insurers they could recommend that cover this area? Thanks.

A: For auto insurance the quickest method to get a free quote is do a policy comparison. If you choose the same coverage amounts, you can get an fast quote to compare against others. Use the same city/state, car make and model, mileage and driving history to ensure you get accurate comparison. To get fast auto insurance quotes, go to http://www.autoadviceonline.com/Free-Auto-Insurance-Quote.html and you can compare all the major auto insurance companies.

Q: How do I get a job as an insurance claims adjuster for an auto insurance company?
I am interested in changing my career to become a claims adjuster. Now I work in a body shop as a painter's helper / jamb man. I have a bachelor's degree in Economics and I once held an insurance license in South Carolina for life, accident and health insurance sales. I don't like selling, though. I have a good eye for detail, particularly with paint work and I am proficient with digital photography and computers. I need to know if my experience is enough to get an entry level job as an adjuster or perhaps a similar type of job inspecting work from body shops for insurance companies. Also, what duties would such a job entail, and what is the typical pay scale I could expect upon entry and after I have done the job for a few years? Is there anything I can do now to better prepare me for the switch, such as getting some kind of license or specific research I could do online to train myself in my spare time? Thanks in advance. The more detailed information you can give me the better.

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