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.