Auto Insurance 101

When shopping for car insurance quotes, many people wonder what coverage they really need. Below, you’ll find information about common auto insurance policy elements:

Automobile Liability Insurance – Pays if you cause damage or harm to another person while driving, either by causing bodily injury or by damaging property. This is one of your most expensive exposures and a frequent cause of lawsuits. Make sure your car insurance limits are high enough to protect your personal assets if you are sued.

Personal Injury Protection (PIP) – Pays for your medical expenses, and in some cases for lost wages and other damages, if you are injured while driving your car. PIP pays regardless of who is at fault. PIP insurance coverage is not mandatory in South Carolina.

Auto Collision Insurance – Pays for damage caused to your vehicle when you collide with other cars or objects. Auto Comprehensive Insurance – Pays for damage caused to your vehicle by covered causes of loss such as hail, theft, or vandalism.

Uninsured Driver Coverage – Pays for your medical expenses and property damage if the other driver is at fault but does not have insurance.

Personal Umbrella – Provides an added layer of protection in addition to the underlying car insurance policy. In today’s litigious society, lawsuit damages can reach $1 million or more in severe accidents. In those situations, a personal umbrella provides additional coverage to protect your personal assets.

Want to learn more? Contact us today for a free car insurance comparison and quote.

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We were referred to Derrik Chandler and Chandler Insurance Company by one of our clients. Derrik and his company were highly recommended and he has fulfilled those expectations. We have been working with Derrik now for about five years and have been very pleased with the services he has provided. Derrik is very easy to work with and very knowledgeable about the insurance industry; subsequently, because of his efforts regarding our company, we have recently referred a friend that is also a general contractor. We fully expect him to have a similar experience with Chandler Insurance as we have.

Local Agent. National Support.

Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that’s been serving the Carolinas for more than 80 years. So you don’t have to choose between having a personal relationship with your agent and knowing your insurance has enough resources. You’ll get both with Correll.


Chandler Insurance is a member of the Correll Insurance Group, working together to bring you the best in coverage, right at home.  Visit corporate site to learn more.

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