5 Essential Tips for Motorcycle Insurance Coverage in South Carolina

When cruising through the picturesque roads of South Carolina, having comprehensive coverage isn’t just an option – it’s your safety net. In the event of a motorcycle accident, your underinsured, uninsured, and additional motorcycle coverage becomes your shield, ensuring that you can ride confidently, knowing you have the protection you need.

1. Comprehending South Carolina Insurance Coverage Requirements

South Carolina law mandates motorcyclists to carry liability insurance coverage, addressing bodily injury and property damage liability caused by the motorcyclist. The minimum liability coverage limits typically stand at 25/50/25, covering $25,000 for bodily injury to one person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. 

2. Significance of Underinsured and Uninsured Motorist Coverage

While underinsured motorist coverage isn’t obligatory for South Carolina motorcyclists, it’s highly advisable. If an at-fault driver doesn’t have enough insurance coverage to cover medical or property damages, your underinsured coverage could help. Uninsured coverage is required, which can cover costs for medical bills and property damage. This coverage kicks in if you are injured by a driver who does not have any insurance. Considering the escalating costs of a serious accident, underinsured and uninsured motorist coverage helps bridge the financial gap between the at-fault driver’s coverage and your actual expenses.

3. Additional Coverage Options and Insurance Rates in South Carolina

According to Southern Insurance Group, the costs of coverage can vary depending on a person’s age, driving record, amount of coverage, and credit score. In South Carolina, the average motorcycle coverage costs around $44 per month, which is 31 percent higher than the national average. In contrast, North Carolina’s motorcycle coverage costs around $23, which is 33 percent lower than the national average. According to ValuePenguin.com, the most expensive motorcycle insurance companies are Nationwide, Markel, and Allstate. However, many insurance companies offer discounts for completing a safety training course, being a safe driver, and member loyalty.

Exploring additional motorcycle insurance coverage, such as comprehensive and collision coverage, is crucial. These options provide an extra layer of protection, helping riders manage expenses beyond the minimum liability limits.

4. Seeking Help For Your Medical Expenses After a Motorcycle Accident 

According to Dairyland Insurance, medical payment coverage (MedPay or PIP) can include financial help for trips to the emergency room and funeral expenses. In South Carolina, drivers have the option of adding MedPay/PIP to their motorcycle coverage, but they must remember that it does not cover lost wages, property damage, childcare expenses, and other drivers’ injuries. 

5. Legal Guidance After a Serious Motorcycle Accident

Enhancing safety and protection involves not only understanding insurance requirements but also ensuring you have additional coverage. If you are involved in a motorcycle accident, the lawyers at the Steinberg Law Firm are here to help navigate the complexities associated with a personal injury claim.

Are You Concerned About Your South Carolina Vehicle Coverage After a Motorcycle Accident?

If you were recently hurt in a South Carolina motorcycle accident, you may be able to recover compensation from the at-fault driver. If you have questions about your ability to recover financial compensation related to an accident caused by another driver, reach out to the Steinberg Law Firm for immediate assistance. At the Steinberg Law Firm, we have over 95 years of experience helping to connect accident victims and their loved ones with fair damages awards based on everything they’ve been through. And, over the past ten years alone, we’ve recovered more than $500 million on behalf of our clients. To learn more, give the Steinberg Law Firm a call at 843-720-2800. You can also reach us through our online contact form.