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Automobile insurance is designed to protect you and everyone who shares the road from the potentially high cost of accident-related and other damages or injuries.  However, are many misconceptions out there about auto insurance.  Here are just a few:

Myth:  In the State of South Carolina, glass coverage is free.  

Truth: South Carolina residents who purchase comprehensive coverage do not have to pay a deductible for glass repair or replacement on their car.

Myth: Comprehensive coverage will cover everything. 

Truth: Comprehensive coverage helps to cover the cost when your automobile is damaged by something besides another driver. Comprehensive coverage includes glass damage and damage caused by certain natural disasters, such as hail and flood. It also covers damage from an animal or falling object, vandalism, fire and theft of your vehicle. All coverages have a deductible except for glass repair or replacement.

Myth: If a friend is driving your car, they’re responsible for any damage done.

Truth: Insurance follows the car, not the driver.  Even if you were not in the car at the time of the accident, you are still responsible for the claim if you are the owner of the car.

Myth: Red cars cost more to insure than cars of other colors. 

Truth: The type of car you drive does matter.  However, it’s not the color of the car but the make, model and age of your car that helps determine how much you’ll pay each month in premiums. Your credit score also makes a difference, along with the safety rating and repair/replacement cost of your car.  

Myth: If your car is totaled in an accident, you are not responsible for the payment amount left on your loan.

Truth: You may be facing a loss if your car is totaled and you owe more than the car is worth.  Ask about an optional coverage called “gap insurance” that can help to supplement the loan balance less the fair market value of your car.

The Turner Agency, Inc. is a local Trusted Choice® independent insurance agency located in Greenville, South Carolina and in Clemson, South Carolina. Serving the Upstate of South Carolina and beyond since 1962, we offer a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs for homes, automobiles, recreational vehicles, secondary homes, and your business. Contact The Turner Agency today.

The information in this article was obtained from various sources and is not all inclusive regarding the subject matter. This content is offered for educational purposes only.

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