SR22 insurance South Carolina is a certificate of financial responsibility you must purchase as a condition to reinstate your license. South Carolina requires all vehicle owners to carry a minimum amount of auto liability insurance coverage on their vehicles. Violating this requirement can result in license suspension, which can be costly. South Carolina SR22 insurance costs include paying fines and reinstatement fees, as well as the added cost of carrying SR22 insurance. The state assigns a specific period of time for your SR22 requirement. To continue to be able to drive, you’ll have to keep the policy in force without lapsing for that entire period of time.
Reasons you may need to carry SR22 insurance South Carolina
- Driving an uninsured vehicle
- Uninsured accidents
- Refusal to take a breath or blood alcohol test
- DUI or DWI offenses
- Child support or neglect cases
- Legal judgments
How does SR22 insurance South Carolina work?
If you own a vehicle, your SR22 certificate is endorsed to your auto insurance policy. The certificate is filed by your insurance provider with the South Carolina DMV. Your SR22 policy must remain in force for the time period set by the state (usually three years). Once you’re required to carry SR22 insurance, you’re considered a high risk driver. Therefore, the SR22 form is a guarantee of future insurance coverage. To guarantee you are always insured, the SR22 is monitored closely. If there is any lapse in coverage or if you cancel the policy, your provider notifies the DMV by filing an SR26 form. This results in a repeat suspension of your license.
SR22 insurance South Carolina without a vehicle
If you don’t own a vehicle, you can purchase South Carolina non owners SR22 insurance to reinstate your suspended license. When you buy non owner SR22 insurance, your provider issues a non-owner insurance policy in your name, and attaches the SR22 certificate to it. Non owner insurance covers only you with liability insurance coverage when you drive a borrowed vehicle.
Detailed information about license reinstatement can be found on the South Carolina DMV website.
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