South Carolina drivers must have and certify that they have liability insurance, and at least minimal levels of coverage for property damage and incidents involving uninsured motorists, according to South Carolina DMV. They must certify coverage when applying or renewing a driver’s license or vehicle registration. DMV automatically verifies coverage. If coverage cannot be verified, DMV suspends the driver’s license and registration.
Basic Auto Insurance
Drivers in South Carolina must have basic insurance on all registered vehicles. Basic insurance includes at least all the following:- Property damage coverage up to $25,000 per accident
- Bodily injury coverage up to $25,000 per person and $50,000 per accident
- Uninsured motorist property damage coverage of $25,000 per accident with a $200 deductible
- Uninsured motorist coverage up to $25,000 per person and $50,000 per accident
- Collision coverage
- Uninsured/underinsured motorist coverage
- Comprehensive coverage
- Bodily injury liability coverage
Required Insurance Documents
It is important to carry your insurance card on you or in your vehicle. If an officer stops you, you must provide proof of the coverage, or you’ll receive a ticket. If you receive a ticket, you’ll have 30 days to provide proof of coverage. If you can’t provide proof, your license and registration will be suspended until you do so and pay the reinstatement fee.Your Insurance Card
Your insurance card can be either paper or mobile. You may need to present the card:- If you are stopped by a police officer during a spot check
- If you are stopped for a traffic violation
- When renewing your driver’s license or vehicle registration
- When you’re involved in a crash
- Before a vehicle inspection