Driving without insurance in South Carolina can be a costly mistake. Not only will you face state fines and penalties, but when you buy insurance again, you'll find that the prices are much higher. It's important to know the car insurance laws you must comply with and the penalties you could face if you don't. In South Carolina, drivers must have a minimum amount of auto insurance coverage to legally drive on the roads.
If a driver is caught without insurance, they must ask their insurance company to submit an insurance certificate (SR-2) for three years from the date of suspension. These rates are much cheaper than the potential fines and penalties that come with driving without insurance in South Carolina. When an auto insurance policy is canceled, an electronic notification is sent to the Department of Motor Vehicles. A request for proof of insurance can be sent to the driver, and a response will be requested within 20 days or the driver's license and vehicle registration will be suspended.
Then, the DMV will automatically send you a letter informing you that you have 20 business days to verify the new insurance coverage.If someone is discovered driving without insurance in South Carolina, or if an insurance interruption occurs, the landlord will have to pay fines or fees. There are several factors that affect how much you'll pay for auto insurance in South Carolina, such as your driving history, age and location, the amount of coverage you buy and the insurance company you buy it from.
You'll also need details about the vehicles you want to insure, such as vehicle makes and models, VINs and mileage. Auto insurance companies must submit proof of insurance when requested electronically through the South Carolina Department of Motor Vehicles, SC ALIR, automotive liability insurance reporting system. In addition, auto insurance providers must offer coverage for underinsured motorists, but drivers have the option of not buying it. Uninsured motorist insurance provides you with additional coverage if you have an accident with a driver who has limited or no insurance of their own. Let's say you're a South Carolina driver who currently has valid coverage, but you want to leave it if only for a few months, to save money. You should know what the state requires in terms of minimums of insurance coverage, as well as the penalties for driving without insurance.
All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurer.