South Carolina law requires that you purchase liability and uninsured motorist coverage to drive legally in the state. If you're asked to present proof of car insurance (for example, during a traffic stop), you can check your insurance company's official policy documentation on your phone or other device. According to the South Carolina Department of Motor Vehicles, when you cancel the auto insurance policy for a vehicle you're still driving, you'll likely receive a letter asking your insurance company to electronically verify that you have new coverage and then report it to the SCDMV. In some states, your vehicle can be towed and you can't claim it until you present proof of insurance.
If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive. Keep in mind that fines and other administrative penalties will likely pale in comparison to the financial impact you could receive if you have a car accident and don't have car insurance. Of course, if you were injured in a car accident, you might be looking for more than just the basic rules of car insurance in South Carolina.
Car insurance seems simple enough, it's coverage that helps pay for the damage you cause to the vehicle or for the damage that happens to your car. This means that the person who was at fault for causing the car accident is also responsible for any resulting damage (from a practical point of view, the at-fault driver's insurance company will absorb these losses, up to the limits of the liability policy). Learn more about South Carolina's auto insurance rules and requirements with this collection of frequently asked questions about auto insurance from the state Department of Insurance. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties.
Get more details about when you might need a car accident lawyer and what to expect from your first meeting with a car accident lawyer. In every state, car insurance is sure to play an important role in any claim filed after a traffic accident, and South Carolina is no exception. Not having car insurance in many states can make you a high-risk driver when buying car insurance. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs.