4 Risks of Riding without South Carolina Motorcycle Insurance

Riding a motorcycle is fun and thrilling. Unfortunately, this comes with many risks, and you want to ensure you have the right gear before hitting the road. Even with the proper equipment, accidents may still happen, and it would be a disaster if you don’t have insurance. Sadly, motorists here in South Carolina still ride their motorcycles without insurance. As an independent insurance agent in Myrtle Beach, SC, we at Benefit Insurance Services call on you to buy your motorcycle insurance today to avoid the following risks.

Risk of penalties and fines

The law in South Carolina and many states in America require that you carry motorcycle insurance while on the road. Failure to show proof of insurance may attract hefty fines and penalties to the extent of revoking your license.

Risk of financial losses

Accidents happen all the time. Unfortunately, you can’t tell when and the outcome. Most motorcycle accidents are either minor or severe and may require medical attention. If the accident is intense and requires costly medication, you risk financial losses if you are not insured. Even worse, if your motorcycle needs repairs or replacement after an accident.

Risk of costly liability claims

If you get into an accident and are at fault, the victim may decide to sue you. Without insurance, you are liable to pay all the legal costs and settlement claims, which do not come cheap.

Risk having no peace of mind

Lack of insurance exposes you to many risks that negatively influence your riding experience. You fear riding because you know you are liable in case of an accident. To enjoy your ride in South Carolina, purchase your motorcycle insurance today.

Motorcycle insurance in Myrtle Beach, SC

Have you been riding without motorcycle insurance in Myrtle Beach, SC, and its surroundings? It’s time to purchase coverage from Benefit Insurance Services. Call us today for an affordable quotation.

How to Get The Best Out of Your Auto Insurance Policy

If you have a car insurance policy from Benefit Insurance Services, you want to ensure it covers you optimally in the hour of need. One way to ensure this is by looking at your coverage to find ways to get the best out of it. Here are ways to harness the power of your car insurance policy in Myrtle Beach, SC.

Understand what your policy covers

Read your policy document to know what your car insurance covers. If still not sure, please consult with your insurance agent. Knowing your car insurance covers is the first step to getting the best out of your policy. This way, you can get to know the “add-ons” you need to purchase for all-rounded protection.

Know about your car insurance exclusions

Learning about the “gaps” in your car insurance policy avoids frustrations when filing a claim. Knowing what your policy doesn’t cover beforehand can help you fix the “holes” with riders or endorsements.  

Update your policy every year

Your car insurance isn’t a “set and forget” thing. You need to give it a look at least once every year. This ensures your current insurance needs are well taken care of. Also, if you are including a new driver or changing the use of your vehicle, be sure to review your insurance policy to avoid complications during the claim process.

Get it right with an insurance agent.

An insurance agent is your financial advisor, so you can’t afford to settle for second best. Partner with an independent and knowledgeable insurance agent who analyses your insurance needs and recommends policies that meet your lifestyle, budget, and other needs.

Car insurance in Myrtle Beach, SC

Want to learn more about car insurance? You are in the right place. Don’t hesitate to get in touch with Benefit Insurance Services for more information.

Is it Time to Update my Auto Insurance?

Auto insurance gives you that peace of mind whenever you are on the road. It is that safety net that protects you financially in case of an accident. To that end, you should take your car insurance seriously, just like you take your car maintenance seriously as per the manufacturer’s recommendations. One way of ensuring this is by keeping your auto insurance updated. Unfortunately, many motorists ignore the idea of insurance updates until an unfortunate event happens. 

But just like most people, you probably don’t know when to update your auto insurance. If that is the case, keep reading as Benefit Insurance Services shares tips on when it’s time.

When you buy a new car

If you purchase a new car, your insurer allows you to move it to your existing policy. However, you need to update your insurance as the price of your premium may change.

When you move to a different address

Your location is a crucial determinant of your insurance premium. If you move to a different location, it’s vital to notify your insurer just in case there will be changes in your insurance price. Your insurance premium may either go down or up.

You have a teen driver

When you want your teenage daughter or son to drive your car, you also need to update your auto insurance. Teens carry additional risks. Therefore, you need proper insurance to cover them.

Use your car for business

If you have converted your car for business use, you better invest in commercial auto insurance coverage. Otherwise, you won’t be covered if your vehicle is involved in an accident while carrying out commercial operations.

Auto insurance in Myrtle Beach, SC 

There you have it, lots of reasons why you need to update your auto insurance. Don’t wait until you are sorry. Ready to purchase your auto insurance in Myrtle Beach, SC? Contact us at Benefit Insurance Services for an affordable quote.

Marriage and Auto Insurance: What You Should Know

When you get married, you and your spouse will likely combine everything, from both households to furniture. This includes auto insurance, which often becomes cheaper after getting hitched and combining policies. Benefit Insurance Services, serving Myrtle Beach, SC, shares some information below on how marriage can have a direct impact on your auto insurance. 

How Marriage Impacts Auto Insurance

It is a common belief that you will get into fewer accidents when you are married. Auto insurance companies view married drivers as safer, lower risk, and more financially stable than single drivers. As a result, married people tend to enjoy lower premiums. Keep in mind that your policy may change as a result of multi-vehicle discounts and moving. Auto insurance companies take into account the location of your residence–how safe it is, how likely theft or vandalism could occur, etc.–when putting together your new policy. 

How You Can Update Your Auto Insurance

As soon as you get hitched, you should contact your insurance company. If you and your spouse both have insurance through the same company. This will be extremely easy. One simple phone call will usually get the job done. Now, in the event you have insurance through two different companies, you will need to determine which policy would best suit you as a married couple. You can consult with your insurance agent about this. He or she can then aid you in comparing new quotes from each company. Of course, you may also want to shop around and see if you can get a better price for the same or better coverage. 

Should You Have Separate Auto Insurance Policies?

More often than not, married couples will combine their auto insurance. However, in some instances, it may be wise to maintain separate policies. This is especially true if one is currently equipped with a high-risk policy due to a poor driving record. Speaking to an insurance agent can shed light on your individual situation.

Whether you just got hitched or not, the agents at Benefit Insurance Services, serving Myrtle Beach, SC, can help you find the best coverage based on your situation and budget. Contact us today!

The Importance of Auto Insurance

In most states, all drivers are required to have at least a liability auto insurance policy in place to legally drive on public highways, streets, and other roadways. South Carolina is no exception to this rule and requires motorists to have a minimum amount of liability insurance to cover bodily injury and property damage. This is important auto insurance to have in place since it protects you from having to pay the costs out-of-pocket if you cause an accident to happen and people or property are damaged.

It is also required under South Carolina law that each driver also has underinsured and uninsured motorist coverage in place. This will protect you and your vehicle if you are involved in an accident with someone who either has no insurance at all or very little. The staff at Benefit Insurance Services in Myrtle Beach, SC know and understand the importance of auto insurance and make it their priority to ensure that you and your vehicle are properly protected.

Other Insurance Coverage Available

There are tons add other options when it comes to auto insurance and one of the main ones that people enjoy having in place is comprehensive coverage. This coverage will help you repair your car if it is damaged due to vandalism, a vehicle fire, or even a natural disaster, such as a tornado or hurricane.

Many people also enjoy having collision insurance because you never know when you’re going to back your vehicle into some sort of object or hit a parked car and this insurance will help cover any damage that is caused by any sort of collision that you have while driving your vehicle.

No matter which coverage options you choose, it is best to have an auto insurance agent who has experience and knowledge to assist you and making the best choices for you in your situation, the insurance agents at Benefit Insurance Services in Myrtle Beach, SC are ready to assist you. Call today for an auto insurance quote and to set up an appointment to start your policy.

Do I need to purchase additional auto insurance when I rent a car

As summer vacation time looms more and more people are thinking about making their plans and reservations. Hotels, airlines, and rental cars are all high on the list. It can be confusing when you make your reservations about what type and how much auto insurance you need to purchase when you are renting a car. At Benefit Insurance Services in Myrtle Beach, SC, we make sure all of our customers have the right amount of insurance for their particular needs. 

These days many people will make their car rental online. After you decide on the size of the vehicle that you want, where you will pick up and drop off, and the dates you want the vehicle you will be hit with the first of several questions about insurance coverage. What exactly do you need?  Do you want to protect yourself and your wallet? Well, it makes you think, doesn’t it?  Who wouldn’t want to protect their wallet?  But the right question is do you need to protect your wallet or is it already protected?

To make the right decision, you need to know exactly what type of coverage you have. If you have a relatively new car with collision and comprehensive coverage and rental car coverage, you don’t need to buy additional insurance. Your personal auto insurance will cover you.  This cost of this coverage from the rental car company will increase the cost of your rental by about 33%. If cost is no issue, it will give you peace of mind, and you don’t have to file a claim with your insurance company.  If you have questions about your coverage, call your insurance agent. 

If you use a credit card to pay for your vehicle rental, you may have vehicle rental coverage is one of your perks. Give them a call to check. 

Contact Benefit Insurance Services in Myrtle Beach, SC for all your auto insurance needs. 

What auto insurance is required in South Carolina?

South Carolina is not one of the biggest stats but it is one of the prettiest. From the beaches in the east to the mountains in the west, the Palmetto State is a great place to live and drive. Like most states, (only New Hampshire doesn’t require auto insurance) South Carolina has basic auto insurance requirements. In Myrtle Beach, SC, Benefit Insurance Services is your local independent agency. We will help you to make sure you are in compliance with auto insurance mandates. 

If you are going to be driving in South Carolina, you are required to have liability insurance. You must have 25/5/25 coverage. That translates to $25,000 bodily injury for one person hurt in an accident with a maximum of $50,000 for any single accident. The final $25,000 is for property damage. This is the bare minimum you can carry to stay in compliance with the law. It doesn’t mean it is the amount of coverage you should have. 

If you cancel your coverage or allow it to lapse, the South Carolina Motor Vehicle Department will be notified. You will receive a letter giving you 20 days to reinstate coverage. If they do not get the required coverage your license plate, vehicle registration, and your driving privilege will all be suspended. It may cost you up to $400 to get them reinstated. If you are actually caught driving without insurance you will need to pay a $550 fine.

If you have an auto loan or a lease, you will be required to have comprehensive and collision coverage. These two types of coverage protect the vehicle you are driving. Since the lender or lessor has a vested interest in your vehicle they want it protected. 

If you live in Myrtle Beach, SC call Benefit Insurance Services if you are looking for auto insurance. We will make sure you have exactly the insurance you need. 

What You Need To Know About Comprehensive Car Insurance

Some people may have a misunderstanding of what comprehensive auto insurance is. The word comprehensive, meaning “ complete” or “full,”  may suggest that the policy is all-inclusive; it offers full coverage for everything. Of course, it covers certain events, but they must be out of your control. You cannot control these incidents because they’re unpredictable.

Our comprehensive car insurance at Benefit Insurance Services will cover damages to your car due to external incidents out of your control. We’re here to protect your vehicle from unforeseen things like car theft. Other unexpected occurrences that can damage your vehicle include:

  • Earthquakes
  • Collision with animals
  • Falling objects
  • Hurricanes or tornadoes, hail, floods, or lighting from thunderstorms
  • Vandalism or civil unrest, violent demonstrations


Earthquakes can cause massive damage to your car. For this reason, comprehensive auto insurance is ideal for providing cover for injuries.


If your car is stolen, comprehensive coverage will foot the bill to replace the vehicle.

Collision with animals

As you’re driving in the countryside in Myrtle Beach, SC, you may hit a deer, or it may strike you, or your car may be damaged extensively due to collision with animals. When this occurs, we’ll ensure that our comprehensive insurance provides cover for the injuries.

Violent demonstrations

During a violent demonstration, someone may smash your car windows or cause heavy damage. If you’ve got comprehensive insurance, you can get coverage for the incident.

Natural disasters

Hurricanes and tornadoes are common in South Carolina, and so it’s a good idea to have comprehensive auto insurance. 

While comprehensive insurance covers external events out of your control that damage your vehicle, there are certain situations, you’ll need extra coverage. It’s because full coverage car insurance is also known as other-than-collision coverage. It means that if you ram into a traffic light because you wanted to avoid hitting a deer, for example, a comprehensive policy won’t cover you. You’ll need collision insurance. 

Interested in knowing more about comprehensive car insurance and other policies? Contact Benefit Insurance Services in Myrtle Beach, SC.

Why should I get auto insurance in Myrtle Beach?

In the Myrtle Beach, SC area, you will have many great recreational options right at your fingertips. To ensure that you are able to enjoy as many of them as possible, you should consider getting a vehicle as it will allow you to get around town efficiently. If you are going to purchase a car here, you need to also get an auto insurance policy. There are several reasons why you should get auto insurance when you are here.

Insurance Will Protect Vehicle

One of the main reasons that you will want to have auto insurance here is that it will protect your vehicle. Drivers in the Myrtle Beach area will rely on their vehicle and the last thing that you would want to happen would be to lose your vehicle due to an accident or theft. Fortunately, if you invest in an auto insurance policy, you can receive the coverage to repair or replace your vehicle if needed.

Insurance Will Give Liability Protection

You should also consider getting an auto insurance policy because it will give you very valuable liability protection. Those that drive a car on a daily basis will consistently take on some level of liability risk. If you do cause an accident, you will want to have a full auto insurance policy as it will include liability coverage that will be very beneficial in these situations.

As you are looking for an auto insurance policy in the Myrtle Beach, SC area, it is important that you reach out to Benefit Insurance Services. If you do call Benefit Insurance Services you are going to learn a lot more about how this type of insurance can protect you and your vehicle. The team can then help you get into a policy that will offer the best coverage for your situation. 

Explaining collision and comprehensive auto coverage

Do you ever get tired of trying to understand insurance terms? So many terms so little time !! Some terms are obvious like liability and collision but what exactly is comprehensive. It sounds like it would a total insurance policy that would cover everything. That may be what it sounds like but that definition doesn’t fit at all. The dedicated staff at Benefit Insurance Services in Myrtle Beach, SC does understand all the insurance terms that refer to auto insurance coverage and they will be happy to make sure that you do too. 


Collision coverage pays to repair your vehicle in the event of an accident with another vehicle or something like a telephone pole or tree where you are deemed to be at fault or partially at fault. The insurance company determines the value of your vehicle and most policies have a deductible so that amount will be deducted from any amount that is paid to you. This is good coverage to have if your vehicle is relatively new and you would have a hard time paying for a repair or replacement on your own. 


Comprehensive coverage is a little more complex. It is often referred to as "non-collision " coverage. It covers things beyond your control. That is a valid description of the coverage except in the event a deer or other large animal decides to either run into your car or cut in front of your car, this is the type of coverage that pays for it. Other scenarios it covers are weather events like high winds or hail, theft or vandalism, and flooding. Glass coverage is also part of comprehensive coverage. 

When you are ready to look for auto insurance or to change carriers at Benefit Insurance Services in Myrtle Beach, SC we are ready to help out. Give our office a call for a no-obligation quote.