What Does Auto Insurance Cover?

Liability Coverage

Covers injuries and damages you may be responsible for if you’re at fault in an accident, ensuring others are protected.

Collision Coverage

Pays for damage to your vehicle after an accident, helping get you back on the road quickly.

Comprehensive Coverage

Protects your car against non-collision events like theft, vandalism, weather damage, and natural disasters. Covers the unexpected when you're not behind the wheel.

Uninsured/Underinsured Motorist Coverage

Covers your costs if you’re in an accident with a driver who has little or no insurance, helping avoid unexpected expenses.

Liability Coverage

Covers injuries and damages you may be responsible for if you’re at fault in an accident, ensuring others are protected.

Collision Coverage

Pays for damage to your vehicle after an accident, helping get you back on the road quickly.

Comprehensive Coverage

Protects your car against non-collision events like theft, vandalism, weather damage, and natural disasters. Covers the unexpected when you're not behind the wheel.

Uninsured/Underinsured Motorist Coverage

Covers your costs if you’re in an accident with a driver who has little or no insurance, helping avoid unexpected expenses.

Auto Insurance in North Carolina & South Carolina

What You Should Know:

North Carolina requires liability coverage, but the state minimums may not be enough to fully protect you. Whether you're commuting through Charlotte, driving the coast, or navigating mountain roads, having the right coverage matters. South Carolina has its own requirements and risks, from high-traffic areas around Columbia and Charleston to rural highways. Uninsured motorist coverage is especially important here. At Sizemore Insurance, we compare 100+ carriers to find the right auto policy for your vehicle, your driving habits, and your budget.

Frequently Asked Questions

What are the minimum auto insurance requirements in NC & SC?

The Carolinas requires liability coverage for bodily injury and property damage. We’ll walk you through the specific limits and make sure you meet all state requirements.

How can I lower my auto insurance premiums?

Discounts for safe driving, bundling policies, and more can help reduce your costs. We’ll help you explore all available options to find the best rate for your coverage.

Is uninsured motorist coverage required in NC & SC?

Yes, the Carolinas requires uninsured motorist coverage, and we’ll explain how it works to keep you protected if you’re involved in an accident with an uninsured driver.

Does auto insurance cover rental cars?

Yes, you can purchase rental car coverage. We’ll help you determine whether your current coverage extends to rental cars or if additional protection is needed.