FAQ's

Q:What is insurance and why do I need it?

A:In simple terms it is a contract between the person who buys insurance and the Insurance company who sold the Policy. By entering into contract the Insurance company agrees to pay the Policy holder or his family members a predetermined sum of money in case of any unfortunate event. In exchange for this service the Policy holder agrees to pay the Insurance company a predetermined fixed sum referred to as the Insurance Premium. Insurance allows you, your business and other entities to protect themselves against significant potential losses and financial hardship at a reasonably affordable rate.

Q:Is auto insurance required by law?

A:Each state makes its own laws regarding auto insurance.  According to the SC Motor Vehicle Financial Responsibility Act of 1999, before anyone operates a motor vehicle on public highways of this state, they must show they are financially able to pay for bodily injury or property damage they may cause others while operating the vehicle. The required limits of liability for SC are $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. These limits are often abbreviated as 25/50/25 and are the minimums for personal auto, business auto, motorcycles, as well as any other class of vehicle being insured.

Q:What is the difference between full coverage and just liability?

A:Full coverage is a term loosely used to describe the liability, comprehensive, and collision coverage on an auto policy. Liability refers to those property or bodily damages caused by the insured.  Comprehensive coverage refers to property damage done to the insured vehicle caused by outside, uncontrollable forces. Collision coverage is defined as the upset or impact of the insureds vehicle or nonowned auto with another vehicle or object.

Q:What are PIA's business hours?

A:PIA is open Monday through Friday from 8:30 AM to 6:00 PM. Come on in if you have any questions, need to pay your bill, or make policy changes.