There is no question that the SC DMV rules regarding mandatory insurance can be a mystery at times! Here is some easy-to-understand information taken from the DMV website, www.scdmvonline.com, found under the “insurance” tab and entitled ‘Facts about Driving Uninsured”.
Facts about Driving Uninsured
South Carolina law requires you to maintain liability insurance coverage for your vehicle at all times. Insurance companies notify SCDMV of policy cancellations electronically through the Automobile Insurance Liability Reporting System (ALIR).
What should I do to protect myself?
All registered vehicles must be insured. Maintain your insurance coverage and do not let your policy lapse. If you surrender your vehicle tag and registration to your nearest DMV office before you cancel the insurance, you will not be penalized.
What happens if I did not have coverage?
Your privilege to drive, license plate, and vehicle registration may be suspended and you may have to pay a $200.00 reinstatement fee. You will also have to pay $5.00 for each day your vehicle was uninsured, up to $200.00.
If I had more than one vehicle on the cancelled policy, will I have to pay more?
You must pay the $200.00 reinstatement fee and $5.00 per day fee for each vehicle that was covered by the policy.
What if I sold the vehicle?
You must provide proof that you sold the vehicle before you cancelled the insurance policy. If you did not sell it before the insurance policy was cancelled. You must pay $5.00 for each day the vehicle was uninsured. If suspended at the time you sold the vehicle, you will also have to pay the $200.00 reinstatement fee.
What happens if I receive a citation for driving uninsured?
If you are found guilty and you were driving a vehicle that you did not own, your driver’s license will be suspended for thirty days and you will be required to pay a $100.00 reinstatement fee. If you were found guilty and you were driving a vehicle that you own, your driver license, and your registration privileges will be suspended until the Department receives a $550.00 reinstatement fee. You will also be required to file SR-22 for three years starting from the beginning date of the suspension.