Auto insurance FAQs

Most states require that you have auto insurance to get a vehicle registered or to drive in the state. Making sure that you have the mandated insurance is important. You count on your insurance agent to make sure your coverage is what it is supposed to be. At Higgins & Halloran in Columbia, SC, you can count on us to get to know you and get you the best policy at a fair price. 

How much liability coverage do you need? 

In South Carolina, the minimum amount that you are required to have is 25/50/25. That translates to $25,000 for one person for bodily injury with all those injured in an accident topping out at $50,000. The additional $25,000 is for property damage. If you are worth a lot more than that, you should consider having more coverage. In the event you are sued for pain and suffering as well as medical bills, the amount could go a lot higher than $25,000. The amount you need should be customized to your needs. 

Can adult children remain on a family policy?

A lot depends on your insurance company. If your adult children are college students who live away from home for most of the year but come home for the summer and have not permanently changed their address, then yes, most insurance companies allow them to remain on the policy. If your adult child still lives at home, as many do these days, then for the most part they are also able to stay on the policy. But if they are married and living down the street or not married and in their own place, no, they should not be on your policy, they should have their own insurance. 

Contact Higgins & Halloran in Columbia, SC when you have auto insurance questions or want to discuss auto coverage.

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Most states require that you have auto insurance to get a vehicle registered or to drive in the state. Making sure that you have the mandated insurance is important. You count on your insurance agent to make sure your coverage is what it is supposed to be. At Higgins & Halloran in Columbia, SC, you can count on us to get to know you and get you the best policy at a fair price. 

How much liability coverage do you need? 

In South Carolina, the minimum amount that you are required to have is 25/50/25. That translates to $25,000 for one person for bodily injury with all those injured in an accident topping out at $50,000. The additional $25,000 is for property damage. If you are worth a lot more than that, you should consider having more coverage. In the event you are sued for pain and suffering as well as medical bills, the amount could go a lot higher than $25,000. The amount you need should be customized to your needs. 

Can adult children remain on a family policy?

A lot depends on your insurance company. If your adult children are college students who live away from home for most of the year but come home for the summer and have not permanently changed their address, then yes, most insurance companies allow them to remain on the policy. If your adult child still lives at home, as many do these days, then for the most part they are also able to stay on the policy. But if they are married and living down the street or not married and in their own place, no, they should not be on your policy, they should have their own insurance. 

Contact Higgins & Halloran in Columbia, SC when you have auto insurance questions or want to discuss auto coverage.