The state of South Carolina offers the option for drivers to register as uninsured or not possessing South Carolina car insurance. There are many requirements if you choose to go this route, and outside of saving a little money each year if you don’t have an accident, there are very few upsides to this option. Each of the requirements to registering as an uninsured motorist will ensure that you are not only clean of legal problems, but can make most people a little uncomfortable. There are many things you should know about this option before you move forward.
Going without South Carolina car insurance is an option as long as you are registered with the DMV. This requires you to pay $550 per year to the DMV and the understanding that if you are at fault for an accident, you are completely responsible for damages on your own. This route will not allow you to depend on auto insurance to bail you out or pay for the damage done. The requirements for this option is long, but you must have a legal driver’s license, other drivers in your household must have their licenses for at least 3 years, and you are not required to possess a SR22 certification. You also cannot have been convicted of any of the following violations within the last 3 years, DUI, failing to stop for a school bus, signal or officer, caused 2 or more accidents equaling more than $600 in bodily injuries and $1,000 in damage to property. You also cannot be convicted of reckless driving or any particular moving violations. You should check with the DMV to ensure you completely qualify as the list is miles long.
If you choose to go without South Carolina car insurance and register as uninsured, you should also know that any changes can cause your status to be revoked. If this is the case you will need to purchase your South Carolina car insurance and provide the DMV with proof that you are properly insured. The changes that can cause your status to be revoked include any kind of traffic violations or if someone joins your household that hasn’t possessed their license for at least 3 years. If your status is in any way revoked, you should receive notification from the DMV, however you can also call to check your status if there is any concern.