Mount Pleasant Magazine March/April 2021

73 www. ReadMPM. com | www. VOICE forRea l Es tate. com | www.MountPl easantBu i l der s . com be offered soon, including the EQC, an electric SUV scheduled to come out this year with an estimated driving range of approximately 200 miles, commented Albright. Sarro observed that compact Chevrolet hybrids are “few and far between these days, with the rise of the EV market and the larger, more well-rounded SUV and crossover classifications.” “At present, the Bolt EV and Chevrolet Volt are the only hybrid/electric models in our selection. However, there are plans for a new line of Chevy all-electric cars to start rolling out in 2021,” he noted. finances S hopping for car insurance may not sound as fun as buying a new car, but South Carolina requires motorists to carry liability and uninsured motorist coverage if you drive an automobile. Minimum liability coverage amounts are $25,000 per person, $50,000 for vehicle damage and $25,000 for property damage, explained TC Wilkinson, a senior insurance consultant with Schirmer Insurance Group. Uninsured motorist coverage, which protects you if someone hits your car and doesn’t have insurance, is mandated at the same 25-50-25 levels, but since it’s required, “it’s inexpensive to bump it up,” should you want to increase coverage amounts, notedWilkinson. Optional coverages include comprehensive, which covers any non-collision damage to the vehicle, including floods, hail or falling objects, and collision coverage, used to repair your car when you collide with another vehicle. Another option is underinsurance. If a person hits you and their coverage limits are exhausted, having underinsurance will fill in the gap, said Wilkinson. For example, if the bill is $100,000, and their insurance only covers $50,000, underinsurance pays the difference. Elizabeth Wall, a Billy Swails State Farm Insurance agent, explained how different insurance types would apply in a real-world situation. Picture a scenario where a car stops in front of you at a red light. While distracted, you hit that vehicle and swerve into the next lane, striking another car. Unfortunately, you don’t have enough liability coverage to pay for the damage to both cars and the accident injuries the drivers sustained. “Those drivers hopefully have underinsured motorist coverage to pay for the difference,” commented Wall. However, if the person causing the accident didn’t carry insurance, the other drivers’ uninsured motorist coverage would pay for their damages, up to their policy limits. If you incur accident damages to your car, you would use your collision coverage to pay for the repairs. 2021 Maybach GLS SUV. 2021 Mercedes Benz EQC . SHOPPING FOR CAR INSURANCE