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A Brief Summary of South Carolina Auto Insurance Laws

Published on Aug 29, 2019 at 11:39 am in Auto Safety.

Forms and glasses next to laptop on table

Whether you’re a new driver or have been driving for years, it’s always a good idea to stay up-to-date on your state’s car insurance laws. In the event of a car accident that results in property damage, injuries, or fatalities, the insurance policy will come into play to help cover the losses. Below you’ll find a brief summary of South Carolina’s auto insurance laws.

South Carolina Stopped School Bus Laws

Published on Aug 2, 2019 at 3:31 pm in Auto Safety.

Written by: Reginald C. Hair

It is 7:00 AM on a Tuesday morning in August. You are late for work for the second time this week. To add insult to injury, there is a stopped school bus in front of you. Are you legally able to pass this school bus?

South Carolina has implemented certain laws to protect children that are on their way to school or back home from school. Please be mindful of what is considered breaking the law and what it not breaking the law when it comes to passing school busses.

Why Do Soft Tissue Injuries Appear in a Delayed Manner?

Published on Aug 1, 2019 at 8:59 am in Auto Safety.

Doctor holding clipboard

Have you ever painted a whole room and had a sore arm or shoulder the next day? What about serious pain and swelling in that shoulder the day after? That would be an example of a soft tissue injury. The same kind of injury can happen in a car accident if a body part is twisted, bruised, or quickly moved back and forth. Just like pain from painting can take hours to show up, the same thing can happen after an accident.

How Common Are Spleen Injuries After a Car Accident?

Published on Jul 11, 2019 at 1:20 pm in Auto Safety.

Bird's eye view of person wearing a labcoat using a laptop, surrounded by medical forms and a stethoscope

Car accidents can do a lot of damage to your abdominal area. One of the most injured organs in that area, second only to the liver, is the spleen. Though it doesn’t get much attention, the spleen is an important organ that helps fight infections and filters old blood cells from your bloodstream. Any injury to the spleen could be life-threatening and should be treated right away. If you’ve been in a car accident that caused trauma to your left side, you’ll want to know more about spleen injuries and their dangers.

Why Is It Dangerous to Use Hands-Free Devices While Driving?

Published on Jun 13, 2019 at 3:16 pm in Auto Safety.

Man Driving Car with left hand on steering wheel

In 2004, a woman in Michigan was talking on a cell phone when she drove through a red light and into an intersection. She hit another car and killed a 12-year-old boy from the impact. The light hadn’t just turned red, it had been red for a little while, as the car she hit wasn’t the first through the intersection. She was reported to be looking straight ahead while on the phone—not looking down, like we usually assume with an accident like this. Even though she was looking ahead, she was distracted by her phone conversation. And that was 15 years ago. Think of how cell phones have advanced since then to occupy even more of our attention.

Distracted drivers kill 9 people a day and injure over 1,000 others. They’re a leading factor in fatal and serious car accident injuries, right behind drunk driving and speeding. Drivers have become complacent even though they are putting their own life and others’ lives at risk every time they get behind the wheel.

Car Wrecks and Insurance Premiums

Published on Jun 10, 2019 at 4:32 pm in Auto Safety.

Written by: Reginald C. Hair

“Will my insurance premium increase even if a car wreck was not my fault?” This is a common question that we receive from a lot of our clients. The answer to this question depends on many factors. The best way to find the answer to this question is by doing the following: reviewing your insurance company’s policies and speaking to your insurance agent.

While it may seem unfair, car wrecks that are not your fault can increase your insurance premium. A 2017 study conducted by the Consumer Federation of America, revealed that Progressive was the most aggressive when penalizing innocent customers, compared to GEICO and Farmers Insurance, which occasionally increased insurance rates by 10% or more for innocent drivers. Allstate rarely increased premiums, while State Farm never increased premiums for innocent drivers.

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