Requirement Overview
South Carolina law requires every registered motor vehicle to carry minimum liability coverage: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. These limits are enforced by the Department of Motor Vehicles and the insurance department. Failure to maintain coverage can result in license suspension and fines.
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How to Verify Your Coverage
Check your insurance card, policy documents, or the online portal of your insurer. The card must display the required limits and be posted in the vehicle's glove compartment. If you are unsure, contact your insurer's customer service or the state insurance department for confirmation.
What Happens If You're Uninsured
Operating without coverage is illegal and can lead to civil penalties up to $500 per violation and potential criminal charges for repeat offenders. Uninsured motorists may also be held liable for damages in an accident, increasing personal financial risk.
Filing a Claim Under South Carolina Law
In the event of an accident, report the incident to the police and file a claim with your insurer within 30 days. South Carolina law requires that you provide the other driver's insurance information, a police report, and any medical documentation needed to substantiate injury claims.
Resources and Next Steps
For policy purchase or renewal, visit the South Carolina Department of Insurance website or contact a licensed broker. Keep your policy active and up to date to avoid penalties and ensure compliance with state law.