I just got a letter from my insurance company about some new changes in South Carolina, and honestly, I'm kinda fed up. Seems like every time I finally get used to how things work, they go and switch it up again. Premiums shifting around, coverage details changing...it's like playing whack-a-mole with my policy. Wondering if it's just me being cranky or if other folks are feeling the same frustration lately?
Yeah, got the same letter yesterday and spent a good half-hour comparing it to my old policy. Here's what I noticed:
- Premiums went up slightly, but deductibles dropped for certain things (like windshield repairs).
- Coverage for rental cars changed—now it's optional, not automatically included.
- There's some new fine print about storm damage exclusions, probably worth double-checking.
Honestly, it's annoying, but at least they're clearer this time around. Still feels like a chore every year though...
Yeah, noticed the same things when I went through mine yesterday. Definitely agree it's clearer this year, but still a hassle to sift through. One thing I'd add—check out the section on roadside assistance. Looks like they've tweaked it a bit; now there's a limit on how many times you can use it per year without extra charges. Might not matter for everyone, but if you're commuting daily or taking longer trips regularly, it's worth noting.
Also, about that storm damage fine print... seems they're getting stricter on what counts as "preventable" damage. Basically, if your car's parked outside during a predicted storm and gets damaged, they might push back on covering it fully. So heads up if you don't have garage space or covered parking.
Overall, yeah, it's annoying to do this every year, but better safe than sorry.
"Basically, if your car's parked outside during a predicted storm and gets damaged, they might push back on covering it fully."
Yeah, saw that too and had a good laugh—like we're all supposed to magically conjure up garage space overnight. Here's my foolproof guide to dealing with SC's new rules: Step 1, read fine print. Step 2, sigh deeply. Step 3, consider bubble-wrapping your car before storms. Seriously though, appreciate the heads-up on roadside assistance...guess I'll have to ration my flat tires this year.
