South Carolina SR22 Insurance
SR22 Insurance in South Carolina
An SR22 Insurance is an insurance add-on attached to your auto insurance. This guarantees that you are in compliance with state laws with regards to minimum liability requirements by the South Carolina state. This certificate is filed by an insurance provider to the South Carolina DMV.
Drivers in South Carolina may be mandated by the court to obtain SR-22 insurance in order to reinstate their license or driving privileges if they’ve been revoked. This can occur for a number of reasons, including:
- You have been convicted multiple times of driving without insurance or otherwise being required to be on mandatory insurance supervision.
- You were involved in an accident and failed to fully pay for damages that the court determined you to be responsible for.
- Your license was suspended due to unsatisfied judgments.
- Your license was revoked or restricted.
- You were convicted of a DUI.
For a first DUI offense in South Carolina, you may be required to carry a provisional license for several months, during which you’ll also need to have SR-22 insurance to drive legally.
SR22 Coverage Requirement in South Carolina
In South Carolina, most court-ordered SR-22s result in a coverage requirement of three years. A lapse in insurance coverage could cost a lot more than you might think. As soon as the lapse occurs, your insurance provider is required to notify the state, which can result in your license getting suspended again.
On top of the license reinstatement fees, your filing period will “reset.” For example, if you’re a year into your three-year filing period and have a lapse in coverage you’ll have to hold the SR-22 status for another three years — rather than just two.
Three (3) types of SR-22 endorsements:
- Operator’s certificate-This endorsement is used for drivers who do not own a vehicle. This will cover them while driving any non-owned vehicle.
- Owner’s certificate-This endorsement is used for drivers who own their own vehicle. It will only cover them while operating owned vehicles.
- Operators-owners certificate-This endorsement will cover a driver while operating owned and non-owned vehicles.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
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How to get SR22 insurance in South Carolina
To obtain SR22 insurance in South Carolina, you’ll need to contact your car insurance company. An SR-22 can only be obtained through an insurance carrier; you can’t file it on your own. If your auto insurance company offers insurance coverage to drivers who need an SR-22, your company can file the form with your state and offer you car insurance coverage. If not, you’ll need to shop for a new insurance policy from a company that offers SR22 insurance coverage.
South Carolina SR22 Insurance Page Updated 7/20/2020 We operate in all 50 states. No matter where you live, we can help you find great SR22 insurance.