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Latest Insurance Tips

non-owner auto policy South Carolina North Carolina rules

Liability coverage for a person who does not own a car and still drives a borrowed or rented one is what South Carolina calls a nonowner policy and North Carolina calls an operator's policy. When the owner gave permission, the owner's policy is the coverage the statutes extend to the driver.

Beach Insurance LLC Oct 25, 2026

Insurance Tips

utility trailer coverage personal auto Carolinas, NC SC

Liability can follow a utility or cargo trailer while it is used with a covered auto. Collision or comprehensive on an owned trailer has to come from the declarations, a schedule, or an endorsement, and North Carolina and South Carolina registration rules differ.

Beach Insurance LLC Oct 23, 2026

Home Owners Insurance

swimming pool liability homeowners Carolinas, NC and SC

A pool, hot tub, or trampoline on a Carolina lot is usually a liability question on a homeowners policy. Personal liability applies when a household member is legally responsible, and a smaller guest medical payment can apply without negligence.

Beach Insurance LLC Oct 19, 2026

Home Insurance

detached structures coverage Carolina homeowners limits

Coverage B applies to structures set apart from the house. North Carolina describes a normal limit of 10 percent of the dwelling limit for detached garages and tool sheds; South Carolina names a detached garage, a work shed, or fencing and does not state a percent; the declarations page controls; and those pages do not name docks.

Beach Insurance LLC Oct 17, 2026

Car Insurance

newly acquired auto coverage Carolinas: NC 30-Day Notice

In North Carolina, an existing policy covers an added car or a replacement car when the company is notified within 30 days, and a missed notice means no automatic coverage. South Carolina requires security for the whole registration period and does not state one statewide day count.

Beach Insurance LLC Oct 13, 2026

Car Insurance

permissive use auto coverage Carolinas covers borrowers

A person who borrows a covered car with expressed or implied consent is covered for liability up to the limits on the policy in South Carolina and North Carolina. In South Carolina, a signed named exclusion is separate and is not undone by handing over the keys.

Beach Insurance LLC Oct 11, 2026

Car Insurance

auto glass coverage Carolinas: SC and NC rules

A cracked windshield is usually a comprehensive claim. South Carolina waives the safety-glass deductible when comprehensive is on the auto. North Carolina pages subtract that deductible and do not state a waiver.

Beach Insurance LLC Oct 9, 2026

Car Insurance

named driver exclusion auto Carolinas: SC vs NC

South Carolina Code 38-77-340 allows a signed written liability exclusion for a named operator when the form is approved and the license is turned in or separate liability security exists. A North Carolina owner's policy must insure the named person and permissive users, except a narrow foster-child exclusion under G.S. 20-309(a2).

Beach Insurance LLC Oct 7, 2026

Car Insurance

Rental Reimbursement Auto Coverage Carolinas Caps

Rental reimbursement auto coverage in the Carolinas helps pay for a substitute vehicle while the covered auto is out of service after a covered collision or comprehensive loss. Caps and waiting periods apply, and the line is not a stand-in for collision.

Beach Insurance LLC Oct 1, 2026

Insurance Tips

Medical Payments Auto Coverage Carolinas Is Optional

Medical payments coverage on Carolina auto policies is optional. It can pay reasonable medical and funeral costs for occupants after a crash, without waiting for a liability claim to finish.

Beach Insurance LLC Sep 25, 2026

Tag: north carolina