Documents you should always have in your vehicle

South Carolina has some wonderful roads to drive on. The law in South Carolina requires that you carry auto liability insurance. There are some documents that you should always have with you when you are out on the road. At Higgins & Halloran in Columbia, SC, we make sure all of our customers have the mandated amount of auto insurance as well as any additional coverage they require.  

Documents you should always have in your vehicle

Drivers license

In South Carolina, your driver’s license is good for 8 years. You have options now when it comes to a driver’s license, you can get a REAL ID or a traditional driver’s license. The REAl ID can be used for federal identification and will get you on a domestic flight and can be used to enter a military installation. Most people use their traditional driver’s license as an ID. It should be with you anytime that you are driving in the event that you get pulled over and you are asked to produce it. If it’s always in your wallet, it will be in the car wherever you are. 

Vehicle registration

All vehicles in the state of South Carolina must be registered. When you pay your registration fee, you are given or print yourself a copy of your registration which must be kept in your glove box when you are driving. 

Insurance card

You are required to have a minimum of liability insurance in South Carolina. Once you have acquired that insurance from your insurance agent, they will mail you a copy of your insurance card which proves you have insurance. You need this proof to be in your vehicle when you are out driving.

Contact Us Today

At Higgins & Halloran in Columbia, SC, we are a team of experienced independent agents who work to make sure our customers have the personalized service they deserve. 

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South Carolina has some wonderful roads to drive on. The law in South Carolina requires that you carry auto liability insurance. There are some documents that you should always have with you when you are out on the road. At Higgins & Halloran in Columbia, SC, we make sure all of our customers have the mandated amount of auto insurance as well as any additional coverage they require.  

Documents you should always have in your vehicle

Drivers license

In South Carolina, your driver’s license is good for 8 years. You have options now when it comes to a driver’s license, you can get a REAL ID or a traditional driver’s license. The REAl ID can be used for federal identification and will get you on a domestic flight and can be used to enter a military installation. Most people use their traditional driver’s license as an ID. It should be with you anytime that you are driving in the event that you get pulled over and you are asked to produce it. If it’s always in your wallet, it will be in the car wherever you are. 

Vehicle registration

All vehicles in the state of South Carolina must be registered. When you pay your registration fee, you are given or print yourself a copy of your registration which must be kept in your glove box when you are driving. 

Insurance card

You are required to have a minimum of liability insurance in South Carolina. Once you have acquired that insurance from your insurance agent, they will mail you a copy of your insurance card which proves you have insurance. You need this proof to be in your vehicle when you are out driving.

Contact Us Today

At Higgins & Halloran in Columbia, SC, we are a team of experienced independent agents who work to make sure our customers have the personalized service they deserve. 

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.

Does auto insurance cover a rental car?

As more and more people head off on their long-delayed vacations, the subject of rental cars comes up more and more. When you sign on to a rental car company online, which is how everyone books these days, you will be asked a lot of questions and many of them will be about insurance. At Higgins & Halloran in Columbia, SC, we are family-owned independent insurance agents who can offer their customers more choices when it comes to insurance coverage. 

In South Carolina, drivers are required to have liability coverage. This is also required when you rent a vehicle. If you are comfortable with the amount of liability insurance coverage that you have on your vehicle, then it should be adequate for a rental vehicle. More than that, however, you need to have insurance to cover damage you may do to the vehicle that you are renting. 

If you have a car loan or are leasing a vehicle, then you have collision and comprehensive coverage. It is required by the lessor or lender. If your vehicle is relatively new, you should have enough coverage to satisfy the rental company. If you are in doubt, give your insurance agent a call and ask if you have enough coverage. 

The rental car company will offer you other types of insurance which you also don’t need, just refuse everything. But if you don’t have full coverage on your vehicle or if you can afford it and just don’t want any accidents to end up on your auto insurance and potentially cause a rise in your premium, you can opt to take the collision damage waiver which the rental car company will offer you. It does offer a lot of peace of mind. 

Contact Higgins & Halloran in Columbia, SC with any questions you have about your auto insurance coverage. 

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As more and more people head off on their long-delayed vacations, the subject of rental cars comes up more and more. When you sign on to a rental car company online, which is how everyone books these days, you will be asked a lot of questions and many of them will be about insurance. At Higgins & Halloran in Columbia, SC, we are family-owned independent insurance agents who can offer their customers more choices when it comes to insurance coverage. 

In South Carolina, drivers are required to have liability coverage. This is also required when you rent a vehicle. If you are comfortable with the amount of liability insurance coverage that you have on your vehicle, then it should be adequate for a rental vehicle. More than that, however, you need to have insurance to cover damage you may do to the vehicle that you are renting. 

If you have a car loan or are leasing a vehicle, then you have collision and comprehensive coverage. It is required by the lessor or lender. If your vehicle is relatively new, you should have enough coverage to satisfy the rental company. If you are in doubt, give your insurance agent a call and ask if you have enough coverage. 

The rental car company will offer you other types of insurance which you also don’t need, just refuse everything. But if you don’t have full coverage on your vehicle or if you can afford it and just don’t want any accidents to end up on your auto insurance and potentially cause a rise in your premium, you can opt to take the collision damage waiver which the rental car company will offer you. It does offer a lot of peace of mind. 

Contact Higgins & Halloran in Columbia, SC with any questions you have about your auto insurance coverage. 

What are the auto insurance requirements in South Carolina?

With 41,000 miles of state-maintained roads, you can really enjoy your driving adventure in South Carolina. From the Appalachian Mountains in the west to the Atlantic Ocean in the east, there is a lot to see and enjoy in the Low Country. South Carolina like most states has mandated auto insurance. This is the insurance all drivers must have if they plan to take to the roads in the Palmetto State.  At Higgins & Halloran in Columbia, SC, we are a family-owned small business that provides the personal service our customers have come to expect. 

The mandated amount of auto insurance is 25/50/25.  This is $25,000 for the first motorist injured and a total for an accident of $50,000 no matter how many people are injured. The property damage requirement is $25,000.  You are also required to carry uninsured motorist coverage that is equal to the liability coverage. This protects your health from hit-and-run and uninsured motorists and usually has a $200 deductible. 

If you are leasing a vehicle or have an auto loan, you will also be required to carry insurance that protects the vehicle. This is collision and comprehensive coverage. These coverages also come with a deductible. 

For the rest of the residents, you can choose to go with just the basic liability coverage, or you can customize your policy to give you what you think is the correct coverage for your particular needs. If your vehicle is worth more than a few hundred dollars, and you count on it to go about your normal everyday life, having collision and comprehensive makes sense. Total glass coverage is something pretty much everyone needs. You can also opt for roadside assistance coverage and rental car reimbursement.  

If you have additional questions about auto insurance contact Higgins & Halloran in Columbia, SC. 

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With 41,000 miles of state-maintained roads, you can really enjoy your driving adventure in South Carolina. From the Appalachian Mountains in the west to the Atlantic Ocean in the east, there is a lot to see and enjoy in the Low Country. South Carolina like most states has mandated auto insurance. This is the insurance all drivers must have if they plan to take to the roads in the Palmetto State.  At Higgins & Halloran in Columbia, SC, we are a family-owned small business that provides the personal service our customers have come to expect. 

The mandated amount of auto insurance is 25/50/25.  This is $25,000 for the first motorist injured and a total for an accident of $50,000 no matter how many people are injured. The property damage requirement is $25,000.  You are also required to carry uninsured motorist coverage that is equal to the liability coverage. This protects your health from hit-and-run and uninsured motorists and usually has a $200 deductible. 

If you are leasing a vehicle or have an auto loan, you will also be required to carry insurance that protects the vehicle. This is collision and comprehensive coverage. These coverages also come with a deductible. 

For the rest of the residents, you can choose to go with just the basic liability coverage, or you can customize your policy to give you what you think is the correct coverage for your particular needs. If your vehicle is worth more than a few hundred dollars, and you count on it to go about your normal everyday life, having collision and comprehensive makes sense. Total glass coverage is something pretty much everyone needs. You can also opt for roadside assistance coverage and rental car reimbursement.  

If you have additional questions about auto insurance contact Higgins & Halloran in Columbia, SC.