South Carolina Car Insurance
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Auto Insurance Requirements in South Carolina
It is mandatory for all vehicles to carry at least the minimum amount of liability insurance required by the state.
Minimum Liability Insurance Requirements
* $25,000 for each person to cover bodily injury
* $50,000 for each accident to cover bodily injury
* $25,000 to cover personal property
Prior to obtaining a driver’s license in South Carolina, an individual is required to present proof of insurance coverage. If he (or anyone in his household) does not own a vehicle, there is a box to check on the application.
Proof of insurance must be accessible at all times in the vehicle.
If caught driving without at least the minimum liability coverage or proof of coverage, the individual will receive a ticket and there is a possibility of arrest.
Should an individual receive a ticket or get arrested for operating a motor vehicle without the required automobile insurance, he is given 15 days following the incident to present proof of insurance.
An individual who does not present proof of the required amount of automobile insurance coverage within the 15 days allotted will have his driver’s license suspended indefinitely.
If a Driver Lets His Coverage Lapse
Should a driver fail to retain continuous coverage on his vehicle there is a lapse in coverage. The individual continued driving his vehicle despite the fact that he did not have South Carolina’s minimum required liability insurance.
If an individual’s auto insurance lapses, it is mandatory for him to contact the DMV. Should he be unable to present proof of automobile insurance within the 15 days allotted following his contact with the DMV, his license may be suspended indefinitely.
South Carolina is a Tort State
In South Carolina, if you are engaged in an accident, someone will be found at fault. The individual that is found to be at fault will be responsible for all the damages incurred.
The damages will generally be handled by the insurance company of the individual at fault. Since South Carolina is a tort state, many insurance companies recommend an individual carry higher coverage than what the state requires.
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