South Carolina Motorcycle Insurance Information
The value of good motorcycle insurance often doesn't become apparent until you really need it.
Whether it's a minor fender bender or a more substantial accident, it pays to have South Carolina
motorcycle insurance coverage you can count on.
Let our experienced South Carolina Motorcycle Insurance policy specialist explain the different
Liability limits, Comprehensive, Collision, Uninsured Motorist, Medical coverages, and deductibles
that are available for you to choose from. We offer affordable motorcycle insurance policies from a
leader in the insurance industry. This means more stable premiums and none of those 15%
increases after the first year.
Learn more about South Carolina Motorcycle
Insurance policy coverage options below!
Click on the link below to fill out a secure quote request form for a South Carolina Motorcycle
Insurance policy that will provide excellent motorcycle insurance coverage at an affordable cost.
Or you can speak with our South Carolina Motorcycle Insurance agent specialist toll free at
(800) 849-7475 to discuss the insurance policy features in more detail.
Covers damage caused to the owners motorcycle from a collision caused by another
vehicle or other object. The deductible is the amount you choose to pay upfront (if any)
before the motorcycle insurance policy pays. The higher the deductible you choose,
the lower the collision coverage cost within the South Carolina Motorcycle Insurance
policy.
South Carolina Motorcycle Insurance FAQ
We are a Columbia, SC insurance agency offering affordable South Carolina
motorcycle insurance coverage in the following towns, cities and counties
in South Carolina: Chapin, Arthurtown, Saluda Terrace, Sandwood, Arcadia
Lakes, Cayce, Olympia, Forest Acres, Dentsville, Eau Claire, West Columbia,
Springdale, Denny Terrace, Belmont, St. Andrews, Irmo, Oak Grove, Lexington,
Galaxy, Bluff Estates, Hazelwood Acres, State Park, Haskell Heights,
Lincolnshire, Ballentine, Killian, Red Bank, South Congaree, Edmund, Gilbert,
Summit, Gaston, Hopkins, Capitol View, Horrel Hill, Fort Jackson, Pontiac, Elgin,
Blythewood, Camden, Richtex, Whitehall, White Rock, Sumter, Lugoff, Boykin,
Rembert, Hagood, Horatio, Stateburg, Borden, Wedgefield, Oswego, Gadsden,
Fort Motte, St. Matthews, Swansea, Woodford, Winnsboro, Pelion, Steedman,
Samaria, Monetta, Batesburg-Leesville, Stoney Hill, Prosperity, Newberry, Peak,
Little Mountain, Slighs, Pomaria, Jenkinsville, Rion, Winnsboro Mills, Simpson,
Smallwood, Ridgeway, Orangeburg, Lexington County, Fairfield County, Calhoun
County, Sumter County, Kershaw County, Saluda County, and Richland County,
SC. We can also offer cheap South Carolina motorcycle insurance coverage
services throughout the Palmetto state, including in Florence, Greenville,
Spartanburg, Myrtle Beach, and Charleston, SC.

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a
motorcycle insurance policy. The minimum bodily liability insurance coverage
available for purchase in South Carolina is 25/50 and is explained in detail below.
However, we recommend that you choose liability insurance coverage amounts
that are much higher than the minimums listed below. Contact us toll free at (800)
849-7475 to discuss what liability coverage amounts you require to meet your
family and personal needs.

South Carolina Liability Coverage limits explanation:
25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, fence, or house, is covered through property damage motorcycle
insurance coverage. The minimum coverage amount in South Carolina is $25,000.
Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding on or driving your motorcycle.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses.
It will also cover you or members of your family if you are hit by a car when you
are walking or if you are riding on another motorcycle. This coverage will pay for
your medical and funeral expenses even if you cause the accident. The coverage
is often limited to medical care you get in the first one, two, or three years after the
accident and is limited to a specific dollar amount. This is not a required South
Carolina Motorcycle Insurance coverage.
20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

Covers damage caused to the insured's motorcycle (your motorcycle) from risks
such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before the
motorcycle insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the South Carolina Motorcycle Insurance policy.
South Carolina Motorcycle Insurance FAQ
South Carolina Motorcycle Insurance FAQ
South Carolina Motorcycle Insurance FAQ
Example of uninsured motorist limits:
South Carolina Motorcycle Insurance FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto or motorcycle liability insurance. This is a required
coverage for South Carolina Motorcycle Insurance. Contact us today at either of
our locations to discuss what uninsured coverage amounts you require to meet
your family and personal needs.

This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.

Protects you if your motorcycle is damaged in an accident caused by a driver who
has insufficient auto or motorcycle insurance coverage. This coverage pays the
difference between the coverage limit you select and the other driver's property
damage coverage limit. This is not a required coverage in South Carolina.
This type of motorcycle insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an
accident caused by a driver who has insufficient auto or motorcycle insurance
coverage. The motorcycle insurance coverage typically pays the difference
between the coverage limit you select and the other driver's bodily injury coverage
limit. This is not a required South Carolina motorcycle insurance coverage.
Underinsured Motorist Bodily Injury Coverage
Underinsured Motorist Property Damage Coverage
South Carolina Motorcycle Insurance FAQ
Click on the link below to fill out a secure quote request form for a South Carolina
Motorcycle Insurance policy that will provide excellent motorcycle insurance
coverage at an affordable cost. Or you can speak with our South Carolina
Motorcycle Insurance specialist toll free at (800) 849-7475 to discuss the policy
features in more detail.
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South Carolina Motorcycle Insurance Solutions!
800-849-7475 toll free
803-779-7854
Serving South Carolina Since 1955
Russell-Massey & Co.
1320 Elmwood Avenue
Columbia, SC 29201
Richland County, SC
Toll Free: (800) 849-7475
Office: (803) 779-7854
Fax: (803) 799-6546
Russell-Massey & Co.
409 Lexington Avenue
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654
Does Wearing a Helmet Decrease My Motorcycle Insurance Premium

Wearing a motorcycle helmet reduces the cost of medical treatment, length of hospital
stay and probability of long-term disability. This was the conclusion in a recent study by
the Centers for Disease Control (CDC) pertaining to riders injured in a motorcycle
crash. The National Highway Traffic Safety Administration (NHTSA) basically agreed
with the CDC by saying that non-helmeted riders have higher health care costs as a
result of brain injuries.

Unfortunately, raising the cost of motorcycle costs for everyone is that an un-helmeted
rider is more likely to be uninsured; and only about half of injured riders carry separate
health insurance coverage.
Will Motorcycle Insurance Be Expensive

As with auto and boat insurance, what type of motorcycle you drive and how safely you
drive it are important factors that affect your South Carolina motorcycle insurance cost. The
most important factors in determining your insurance policy costs are listed below.

The factors of you:
+ Your age - a young rider is more of a risk than a middle aged one

+ Your riding experience - a new rider is more at risk than a seasoned one

+ Your driving record - how many tickets

+ Your location - an urban area is more of a risk than a county or rural area.

+ Your accident record - same as above, it builds a picture of your 'risk rating'

+ Your occupation - a rock musician can be expected to have a different 'risk rating'
compared to a teacher


The factors of your motorcycle:
+ A larger 1000cc racebike replica would attract a higher risk rating than a 250cc
scooter

+ Modifications or tuning - tells the insurance company that this is not a normal
motorycle risk

+ Value - a motorcycle worth $20,000 will be more than one you bought at a yard sale
for $200

+ Age of Bike - a 10 year old standard is less risk than a new sportbike

+ Location - safer if parked at night in your garage, and therefore less risk than if it's on
the street in a downtown area
Richland County & Lexington County, SC Area