Auto & Health Insurance Holiday Tips

Review Your Auto Insurance Coverage before Holiday Travel

Holiday travel increases everywhere—not just in tourist areas. Whether you’re driving across town or several states away, now is the perfect time to assess your auto insurance.

Check Liability Limits: South Carolina’s minimum required insurance often isn’t enough in a serious accident. Higher limits can provide better financial protection for your family.

Ensure You Have Comprehensive & Collision Coverage: Whether-related incidents, wildlife collisions, and parking lot fender benders are common during the holiday season. Comprehensive and collision coverage can help handle the unexpected.

Confirm Uninsured/Underinsured Motorist Coverage: Unfortunately, many drivers carry little or no insurance. This coverage protects you even if the other driver doesn’t have enough to cover damages.

Review Your Roadside Assistance: From dead batteries to flat tires or late-night breakdowns during a long holiday drive, roadside assistance ensures you’re never stranded without any help.

Check Your Health Insurance before Holiday Gatherings

Cold and flu season typically begins just as travel and family gatherings increase. Reviewing your health insurance now can help you avoid costly surprises.

Know Who Your In-Network Providers Are: If you’re traveling, research in-network hospitals and urgent care centers near your destination. Locally, be aware of providers such as Grand Strand Medical Center, Conway Medical Center, and Grand Strand Health Urgent Care.

Understand Deductibles & Out-of-Pocket Maximums: With deductibles resetting in January, knowing your status can help you plan, especially if emergency care becomes necessary.

Pack Your Insurance Cards and Medications: Carry both physical and digital insurance cards. Ensure you have a full prescription supply to last your entire trip.

Prepare for Winter Weather Risks

South Carolina’s coastal winters are milder than those in northern states, but sudden cold snaps, heavy rain, fog, and icy bridges can still make driving hazardous. No matter where you’re going, here are a few tips to keep in mind this holiday travel season.

• Keep an emergency kit in your car, including a first-aid kit, blankets, a flashlight, water, and snacks.

• Check your tire tread and air pressure.

• Ensure your car battery is sufficiently strong for cold weather.

• Bring a phone charger and inform someone of your travel plans.

• Though these are minor precautions, they can significantly impact winter travel.

Know What to Do After an Accident or Injury

No matter how much you prepare, accidents can occur during a quick store run or a lengthy holiday road trip—knowing what to do safeguards both your health and your legal rights.

After an Auto Accident:

1. Move to a safe place and call 911.

2. Share information with all involved parties.

3. Take photos of the scene, damage, and any injuries.

4. Get a medical evaluation immediately, as even minor symptoms can get worse.

5. Contact an attorney before speaking with insurance adjusters.

Insurance companies often try to settle quickly. Harmon & Felts is here to protect your interests.

When in Doubt, Consult a Legal Professional

Insurance policies can be confusing, and every situation is different. Whether you’re traveling or staying local, consulting with an experienced attorney can help you understand your coverage and make informed decisions.