Having car insurance is mandatory in all states, including the Carolinas.  While it can seem like a hassle to people, having insurance means that you will be protected in the event of an accident with your vehicle.  Regardless of whether it’s your fault or someone else’s, you can rest a little easier knowing that your insurance will help you recover the costs involved in such an incident.


There are a few things that you do need to know if you are shopping for Carolina Car Insurance |




Liability insurance will help cover you in the event that you are at fault in an accident.  This type of insurance helps to pay for injuries and damages to the other person who is involved.  Having liability means that you won’t be out of pocket due to repairs to the other person’s vehicle, or medical bills for that person arising from the accident.  The minimums may vary depending on your state, and your insurance company will be able to give you full details.


Uninsured Motorist Coverage


This type of insurance is required to help pay for injuries or damages that you receive from a driver who is not insured.  If you didn’t have such insurance, the damages would come out of your pocket, but having it means you have less to worry about when it comes to sustained injuries or damages.  As with liability, the minimum amount of insurance that you’re required to have may vary depending on your state, and your provider will be able help you with what you need.


Optional Insurance


There are a number of types of optional insurance that you can add on to your policy.  Each of these grants you additional coverage, but will also increase the premiums on your Carolina car insurance.


  • Collision insurance will help you cover the cost of damage related to a vehicular collision. It’s important to realize that this does not cover things such as vandalism.
  • Comprehensive insurance covers damage that is not related to a collision. This can include things like fire, vandalism or theft.  Having comprehensive coverage means that your premiums will go up, but you will have better coverage in the event of an unforeseen incident that didn’t happen on the road.


Getting Carolina car insurance can be a process that is difficult to understand.  The number of providers and the options they offer mean that you have a lot to think about.  Understanding the basics is an excellent start to getting the coverage you need.