Will Auto Insurance Pay for Medical Bills?

If you are hurt in a car accident, your first concern is getting proper medical treatment. But closely following that, you may wonder who is going to pay the medical bills. There is no blanket answer that covers all situations. Three important factors are involved: the type of accident, the state you live in, and the type of insurance you have.

No-Fault Insurance

If you live in a no-fault state, then your own insurance will pay for your injury regardless of who is at fault. And the other party’s insurance will pay for their expenses. There are limits, of course, to how much insurance companies will pay. This limit varies from state to state. If your expenses exceed that limit, you are responsible; your health care insurance may then take over and cover the additional expenses.

There are twelve states that have no-fault insurance laws. What about South Carolina?

In South Carolina

South Carolina does not have no-fault laws. So your liability insurance will cover injuries to the other party if you are at fault. Liability insurance includes bodily injury liability coverage, which will pay for your medical expenses. Again, there are limits to this coverage, and if the limit is exceeded, then the at-fault party is responsible for paying the extra amount. Your health insurance would generally cover the additional costs associated with your medical expenses. Benefit Insurance Services, which serves Myrtle Beach, SC, can provide more information and details.

Get the Right Coverage

It is important to have adequate coverage so you’re not left with a huge medical bill. Benefit Insurance Services can help you through these murky waters and find a policy that’s best for you. Serving Myrtle Beach, SC and other coastal South Carolina cities, you can rely on their experience and expertise.

Teaching Your Teen To Drive Accidents : Are Special Provisions Made When You Have Good Intentions

Learning The Benefit of Calling Your Benefit Insurance Services Agent – Before You Put On Your Teacher’s Hat

Parents who reside in Surfside Beach, SC area are no different from parents all over the globe. If anyone is going to teach our children how to drive a car, we may as well do the work. In this manner we are assured that they will be learning how to best navigate the road.

The fact is that a kind-hearted police officer may take pity on your plight of instructor in the event of an accident involving your properly permitted teen. However if the accident incurs some form of insurance liability, your policy may take the full brunt of the hit. Notice we say properly permitted. Your teen should be driving only when permitted and following the time of day and location guidelines strictly. 

In the unfortunate event of an accident you will be standing on better ground if you have adhered to all of the guidelines of your state laws. Letting the majority of your child’s driving education be handled primarily by driving schools or driver education programs is a good idea. These programs have adequate insurance for student drivers. The cars are clearly marked in most instances and other drivers are more aware of their presence. 

We not only handle auto insurance at Benefit Insurance Services. We can underwrite your policy or just answer your insurance questions about auto policies as well as many other types of insurance that we handle here. Serving the Surfside Beach, SC area as well as the surrounding areas we can talk with you about different ways you can teach your children how to drive without putting yourself at risk. 

How to Avoid Road Rage

For some people, when they get behind the wheel of their vehicle, they become a different person. Sometimes you can seem unrecognizable to your friends and even your loved ones. When you experience road rage and have an accident, your insurance rates could be affected.

In Surfside Beach, SC, road rage is described as offensive and aggressive behavior towards other drivers. This can become extremely dangerous. If it is not controlled, it could lead to emotional or physical trauma, legal entanglements, and sometimes death.

The Warning Signs of Road Rage

Certain situations may be an underlying cause or precursor to road rage. Before you even enter your vehicle, be aware of your emotions. If you had a bad day at work, a fight with a friend, or are running late for an appointment, then you should examine your level of stress before driving. These incidences can quickly turn your inward feelings of anger to outward aggressive driving.

Types of Road Rage Behaviors

Anger can contribute to driving aggressively. When you start to notice that you are engaging in the following behaviors, you should try to avoid them.

  • Tailgating – when a driver begins to drive too closely behind another vehicle.
  • Offensive language – cursing or gesturing at drivers that upset you.
  • Brake checking – a driver taps on their brakes to discourage tailgating.
  • Unrelenting honking – laying on the horn or constantly honking at a single driver.

Prevent Road Rage

Start by acknowledging that you are upset. Take a deep breath before you get behind the wheel. If another driver does something that frustrates you, do not react. You don’t want a situation to escalate into dangerous territory.

Talk with your independent insurance agents at Benefit Insurance Services to find out how road rage influences your rates. Benefit Insurance Services in Surfside Beach, SC is an independent insurance agency with expert agents that can help you with your auto insurance needs. They can also research home, life, and business insurance policies.

Can sand hurt your car after a beach trip?

There’s no point in living in Surfside Beach, SC if you never hit the beach, right? If you’re lucky enough to live by the ocean, there’s not much reason not to spend as much time there as possible. But, all that sun and sand can do as much harm as good. Spend too much time on the beach without sunscreen, and you’re looking at skin cancer, and if you’re not careful, all that sand can do some serious harm to your car.

One of the ways sand can harm your car is by working its way into the brake pads. This can cause premature wearing on the bearings when it works its way into the calipers. It can do some major damage to your belts by getting into the pulley system, and even clog filters, restricting air flow in your car. In many cars, it can affect the sensors and give drivers false readings.

The most obvious damages are usually cosmetic, scratching away at the clear coat, wearing away at your paint job and leading to rust. On the upside, it’s rare for sand to get right into the engine block itself, so you’re probably not going to wind up asking Benefit Insurance Services for a whole new car over sand.

If you expose your car to sand frequently, you can use an air pump to blast the sand out of there and keep your car relatively grit-free. Washing your car regularly can also keep sand from building on it and creating damage. You can also park a little farther from the coast on your next Surfside Beach, SC trip. Proper maintenance will help prevent most sand damages, and Benefit Insurance Services can help you when things get really bad.

What Beach Town Drivers Need To Know in SC

If you live in Surfside Beach, and if you drive, then there are a few things that you need to know to stay safe and care for your vehicle while you’re out and about.

First, you need to be ready for tourist season. The snowbirds always come out in the Wintertime, folks from up North who are looking to escape the extreme cold down in cozy old Carolina. We’ve got good news and bad news for SC residents come December. The good news is that those extra dollars tourists bring with them are a big part of the economy of snowbird hotspots like Florida, Georgia and the Carolinas, and if you want to try driving for Uber or Lyft for a few months, you can make a pretty penny. The bad news is that traffic does tend to spike around this time of year, and many Carolinians choose to do a lot less driving for this reason.

The weather is another major concern. Beach Town weather is amazing for people, but not so great for cars. The salty sea air combined with the sun can wreak havoc on your car’s finish. The best way to protect against the elements is to keep your car nice and clean, wax it regularly, repaint it when you need to, and store it in a garage if you can.

With proper care and a great insurance policy, there’s no reason you can’t stay safe in a car that looks as fresh as the day you bought it. Contact us for free quotes on some great policies, and treat your car with a little TLC and you should be fine.

Auto Insurance Benefits for Seniors

If you’re a senior driver in Surfside Beach, SC there are a variety of perks for reaching the golden years when it comes to auto insurance.  In fact, individuals generally aged sixty five or older are considered seniors and their many years of life experience is rewarded with auto discounts.  

The General Senior Discount

First of all, when you reach the age of a senior, insurance companies give you a discount.  Just like that.  The fact is, you’re on the road less so they can pass on this savings to you.  Basically what you’re getting is a low-mileage discount and this makes you a very valuable low-risk customer.  

The Excellent Senior Driver Discount

If you want to take it a step further, opt for an insurance premium based on your driving performance.  Diagnostic devices can be put in your car to measure your driving capabilities.  The better a driver you are, the better your premium.  And it makes driving a whole lot more interesting, especially if your start competing with friends to see who the best driver is.  

Take a Driver’s Course Discount

When seniors brush up on their driving skills by taking an authorized course in defensive driving, they may get a discount on their auto insurance.  These courses are often offered by AARP or the local DMV and have shown to have positive results in getting drivers to adopt better driving skills.

At Benefit Insurance Services we love to help seniors find the right auto insurance.  We are a family owned and operated independent insurance agency who will help you find senior auto insurance in Surfside Beach, SC. Visit our auto insurance page find out more.  

 

 

 

Get the Right Car for You and Your Family

Having a family is a stressful time in one’s life. A ton of responsibilities come with bringing new life into the world. You must have reliable transportation to commute back and forth to work to take care of the household, and you need a vehicle to cart the children where they need to be. With so much riding, no pun intended, on your car, it’s vital that you find the right used car for your needs.

1. Shop Around

Just because a car is cheap doesn’t mean it’s the car for you. And just because you’re buying used doesn’t mean you shouldn’t be a little picky. Feel free to take it for a test drive and look under the hood. You should expect to pay for some repairs, considering it’s not a brand new car, but never think for a second that spending over $1,500 on repairs alone is a good deal. 

2. Look at the Accident History

Not every used car has been in an accident, and you should aim for one that has never been in an accident. You never know what happened during the accident that may turn into a huge problem in the future. 

3. Don’t Ignore Private Sellers

Being situated on a lot with a fleet of other cars for sale doesn’t make the car a better one to choose from. Oftentimes, they make a car look nice without solving the true problems with it in order to make you believe it’s the one for you. However, some private sellers are honest and are just looking to get rid of the automobile to purchase something better. 

Once you decide on the car for you, contact Benefit Insurance Services to receive a quote for your new ride. 

Motorcycles Need Insurance Too! Let Benefits Insurance Services.com Meet the Need!

You finally followed your dream and purchased your motorcycle. Though it is tempting to just get on and cruise coastal South Carolina this weekend you will need to insure the bike FIRST just like with any motorized means of transport. In addition to looking forward to feeling the wind in your hair you have to be ready to properly insure your responsibility as you claim your very own piece of the road.   Serving the South Carolina coastal area, (Hilton Head, Myrtle Beach, Charleston, etc.), Benefit Insurance Services.com offers comprehensive motorcycle insurance. Acquiring a policy is as simple as a few clicks of a computer keyboard. 

Insuring a motorcycle is just as important as insuring a traditional automobile. While rates are contingent upon the make, model and year of the motorcycle, there are other factors that are taken into account as well when insuring your motorcycle. An agent at Benefit.Insurance Services. com will review the variety of prospective uses for your motorcycle as well as the frequency that you intend to ride. Similar to auto insurance , the age of the driver is an important variable as well. 

South Carolina requires proof that the rider is qualified as such prior to issuing a Class M license, (via road test and/or certification). There are also mandatory helmet laws in effect for many riders. It is imperative that you check with your local Department of Motor Vehicles to ensure that you are lawful in your pursuit of the open road. The agents at Benefit Insurance Services.com will assist in your navigation of the do’s and don’ts when it comes to your motorcycle insurance to make certain your mind is at ease.  

 

 

Tips For Keeping Your Teen Driver Safe

Everyone wants to know when their teen sets out that they are going to be safe. That being said, an overwhelming amount of accidents involve teens due to issues like driver inexperience and inattentiveness. There are a few ways you can be sure your teen is safe however each and every time they set out in their car.

The first tip that any parent can use is to make sure their teen is well taught. This means answering any and all questions they may have, taking the time to make sure they get the proper practice with parental supervision, and making sure they know all the rules of the road. This is going to help make sure that your teen is ready for any and all events when they set out on the road.

Another tip is to make sure your teen understands the peril and danger that they are in each time they take to the road. This can be doing something as simple as going over driving facts, letting your teen know that they should not text and drive, and basically just making sure your teen is ready to drive.

The last thing you can do is to make sure that your teen is properly insured each time they take off. Insurance is a big part of paying medical bills, making sure that the other driver is taken care of, and getting your car fixed after an event. Benefit Insurance Services can help make sure your teen is insured properly and that they are covered in the event of an accident. There is no way we can be with our teens every step of the way but we can make sure we do all that is possible to keep them safe.

Safety tips for both Bicyclists and Drivers in Surfside Beach, South Carolina

The last thing anyone wants to do is hit a bicyclist if they are a driver or be hit by a car if they are a bicyclist in Surfside Beach, South Carolina. Not only will an accident like this make an auto insurance policy with a company like Benefit Insurance Services for a driver sky rocket, but it could also lead to serious injury for the biker, which no one wants to be a part of. In other words, the safety of bicyclists and drivers on the road is a shared effort. Below are some tips for both of them on the road in a beautiful place like Surfside Beach.

FOR BICYCLISTS

Make sure your bike has had safety checks, namely on it’s brakes and tires. You can usually see an accident coming on a bike and the better you bike is, the better chance you have at avoiding it or minimizing the severity of the accident. So make sure you can stop quickly and have the right maneuverability. Also, and this goes without saying, wear a helmet when on the road with other vehicles, if not at all times. This will be the difference between a minor scrape and serious injury in many cases. Lights are also critical for visibility purposes, especially at night.

FOR DRIVERS

Give bicyclists a wide berth when you are passing them, because you never know when they could lose their balance and fall in the road in front of you or into you. Also never assume bicyclists will stop at intersections where there are stop signs as they usually like to keep their momentum going. When they do this give them right of way so you can safely move past them later.