Auto Insurance in Moncks Corner, SC
Every driver faces unique risks on the road, underscoring the significance of having adequate auto insurance. At Carey Insurance LLC, we can help you understand what your policy covers and where exclusions may apply, so you can make informed decisions and stay financially prepared for the unexpected.
What Does Auto Insurance Cover? 
Auto insurance can offer different types of financial protection, including the following:
- Liability coverage may cover costs if you’re responsible for third-party injuries or property damage in an accident.
- Collision coverage may help pay for repairs to your vehicle after a collision, regardless of who is at fault.
- Comprehensive coverage may reimburse costs resulting from theft, vandalism and other noncollision incidents.
- Uninsured/underinsured motorist coverage may step in if you’re involved in an accident with a driver who has insufficient or no insurance.
What Isn’t Included in a Standard Policy
While auto insurance can offer valuable coverage, it’s important to understand that some situations may be excluded, such as the following:
- Intentional damage or illegal activities
- Using the vehicle for commercial or ride-sharing purposes
- Wear and tear, mechanical failures and maintenance Issues
- Unauthorized or unlicensed drivers
- Racing and other high-risk activities
- Using the vehicle outside covered geographic areas
- Personal property inside the vehicle
To minimize potential coverage gaps, consider reviewing and selecting optional endorsements that enhance your auto insurance policy.
How to Get Auto Insurance
Several factors can influence your auto insurance rates, including your driving history, the type of vehicle you own and your chosen coverage limits. Our agents at Carey Insurance LLC can work closely with you to identify discounts and options that fit your budget and lifestyle. Contact us today to learn more.