Why You Must Drive With Auto Insurance in South Carolina
Car insurance is required by law in every state. If you’re caught driving without insurance, you could face serious consequences like fines, license suspension, and even jail time. Having auto insurance not only protects you from these severe penalties, but it protects you financially in the case of a car accident.
Auto Insurance Coverage Requirements in South Carolina
South Carolina requires all drivers to maintain active car insurance coverage that meets the state’s minimum coverage requirements. You must hold an active car insurance policy with the following minimum insurance coverage to drive legally in South Carolina.
Minimum coverage includes:
- $25,000 for property damage
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
It’s important to note that South Carolina’s minimum coverage requirements are just that - the minimum. You should strongly consider higher coverage limits or additional types of coverage like underinsured, personal injury protection and collision insurance.
Penalties for Driving Without Insurance in South Carolina
Driving without insurance in South Carolina is unlawful and can lead to severe penalties. Penalties can be financial, but you can also have your driving license suspended or even face jail time.
The severity of the penalties increases if a person is caught multiple times without auto insurance. South Carolina considers a first offense a criminal misdemeanor, which stays on your criminal record permanently.
Here are some of the penalties you could experience if caught driving without insurance:
- Fines up to $200
- Daily fine for each day you went without insurance
- Jail time, 30 days to six months
- Your license and registration could be suspended until you can provide proof of car insurance coverage.
- You may have to pay a fee of up to $400 to reinstate your license and registration.
- You may be considered a high-risk driver and required to hold SR-22 insurance.
Auto Insurance Protects You in Case of a Car Accident
Auto insurance is designed to protect you financially in case of a car accident. If you cause an accident and someone is injured, or their property is damaged, your insurance will help cover those expenses.
Without insurance, you could be held personally liable for any damages you cause. This could be financially devastating if you must pay for medical bills, lost wages, and property damage. However, with auto insurance, you’ll have peace of mind knowing that you’re financially protected in case of an accident.
Involved in a Car Accident in South Carolina? Contact The Law Office of D. Craig Brown Today
If you were injured in a car accident, you may have questions concerning the auto insurance policies of the parties involved. Our experienced car accident attorneys can help you navigate the legal process and work with you to ensure your rights are protected.
At The Law Office of D. Craig Brown, we help you understand your legal options and fight for fair compensation for your damages. Contact our car accident attorneys today to schedule a free case consultation.