Insurance FAQs

Find answers to common insurance questions and understand your coverage options with ease.

General Questions

We are open Monday-Friday 9AM-5:30PM.

Bodily Injury and Property Damage Liability pays for property damage and/or injuries to another person caused by an accident which you're at fault for. It does not offer coverage to you or your property. You are legally required to carry Liability Insurance in South Carolina and North Carolina if you own a vehicle.

Comprehensive coverage helps repair or replace your vehicle (minus the deductible) after something other than a collision with another car; like deer, theft, or vandalism. It is an optional coverage (unless you are making payments on a vehicle), but since these situations can happen to anyone it's recommended.

Collision coverage helps repair or replace your vehicle (minus the deductible) if it's damaged in an accident with another vehicle or object, such as a fence or a tree. It is an optional coverage (unless you are making payments on a vehicle), but since these situations can happen to anyone it's recommended.

Car Insurance Questions

What is the difference between liability, collision, and comprehensive insurance?

Home and Renter's Insurance Questions

Life Insurance Questions

Claims Process

Where are you located?

When are you open?

We are located at 728 Dewitt Dr. Unit A, Lugoff, SC 29078. However we serve the entire state of South Carolina and North Carolina.

What affects my insurance premium?

Insurance premium is affected by a multitude of things such as: your driving record (any accidents, claims, or tickets you have), the age and type or car, where you live, your age, and the types of coverages you are looking for.

What does homeowners insurance cover?

Home owners insurance covers a variety of items such as your home, the contents of your home, any buildings you have on your property, and if someone gets hurt on your property.

What is the difference between replacement cost and actual cash value?

Replacement cost covers an item for what it is worth. Actual Cash Value covers the worth of the item minus depreciation.

Do renters need insurance?

Some property owners require you to have renter's insurance where others may not. It is still recommended so you can have protection of your items if a loss occurs.

Having an accident or loss can be a scary and difficult time. We are here for you every step of the way. When a loss occurs call our office. We will direct you to the appropriate claims department. There an adjuster will be assigned to you and will walk you through the entire process.

What is a deductible and how does it work?

A deductible and what you are responsible for paying if an at fault accident or loss occurs. Once you have met the deductible limit on your policy your insurance kicks in to take over the costs of repair or replacement.

How much life insurance do I need?

There are many different ways people measure how much life insurance they need. Generally, you want enough to cover more than your annual income, any debts, and provide support to any dependents you have.

Can I change the beneficiaries on my policy?

Only you, or someone who holds durable power of attorney for you, can change your life insurance beneficiaries. However, if your policy names an irrevocable beneficiary, you will also need to get that beneficiary's consent before making changes.