Motorcycle Insurance in South Carolina

Just as it requires auto owners to carry minimum insurance, South Carolina requires motorcyclists to do the same. Ingram Insurance Agency in Cheraw, SC offers motorcycle coverage to meet and exceed the state minimum requirements. We provide insurance policies to protect your financial security and liability.

South Carolina Motorcycle Insurance

According to South Carolina law, motorcyclists must carry insurance providing at least a 25/50/25 policy. Ingram Insurance Agency offers motorcycle policies that let South Carolina motorcyclists obtain insurance that meets or exceeds the state requirements.

Motorcycle Liability Insurance

In South Carolina, you must purchase and maintain a valid motorcycle liability insurance policy to legally ride on the state’s roads. This policy provides bodily injury liability insurance, property damage liability insurance, and uninsured/underinsured motorists coverage. To meet the state law, you’ll need motorcycle insurance in the amount of:

$25,000 for bodily injury per individual
$50,000 for bodily injury per accident
$25,000 for property damage per accident
25/50/25 for uninsured/underinsured motorist coverage

Bodily injury coverage provides for the medical costs, physical or occupational rehab, and time lost from another individual's work who incurred injuries due to an accident you caused. It also covers the death of an individual, providing a monetary benefit to their family.

Property damage coverage pays for repairing or replacing another person’s property when you damage it in an accident you caused. This goes beyond the individual’s vehicle or motorcycle to include other types of property, such as garages, fences, retaining walls, mailboxes, gardens, etc.

While those two policies protect the other individuals on the road, your uninsured motorist insurance protects you and your bike. Suppose another driver causes an accident that hurts you or damages your bike, but they have no or too little insurance or flee the scene. In that case, the uninsured motorist's coverage pays for your medical care and your bike repair or replacement. This policy typically comes with a $200 deductible.

You can add many types of coverage to your minimum policy, including comprehensive, collision coverage, roadside assistance, and car rental assistance.

Contact Ingram Insurance Agency Today

Don’t get caught on the South Carolina roads without motorcycle insurance. Contact Ingram Insurance Agency serving Cheraw, SC today to get the motorcycle insurance you need to meet state law.