South Carolina is pretty strict with the auto insurance requirements and its rules. If you are in South Carolina and bought a new car or have shifted to South Carolina and you have a car then don’t forget to insure the car. Maybe you have insured the car but you haven’t sent any information regarding this to the South Carolina Department of Motor Vehicles. What is the outcome? You will be harassed without any reason.

So, after you register the name of the car the nest thing that you must do is let the SCDMV know about it. You don’t have to provide too many details. Just tell them the name of the insurance company and they will do the rest. They instantly verify it. If for some odd reason the verification fails your driving license will be suspended. Even the registration of your car may be cancelled. Maybe you are new in the city. Naturally you have tons of work ahead. But amidst all this, do change the previous address given to the insurance company. It will create a lot of confusion if you don’t.

Things to do when you are in South Carolina:

Always carry a proof of your car insurance with you. Make it a habit or just stuff the papers in your cart. Law enforcement officers are always on the lookout for careless people who forget to keep the necessary documents with them. Don’t take the issue lightly. You may be fined. In many cases you may be even sent to the prison.

There is something called “citation” which is given to people when they are unable to produce necessary car insurance documents. In this you have to produce the proof of your car insurance within thirty days. If you fail to do so your license may be suspended for an extensible time.

The minimum limits for car insurance for South Carolina are 25/50/25. Wondering what is this? This means there is a liability of twenty five thousand dollars for one injured person, fifty thousand dollars for two persons and twenty five thousand dollars for property damage.

What is done after an accident occurs?

An investigating officer generally issues a form FR-10 after the accident occurs. This form proves that the vehicle was insured during the time of accident. The form is issued only after the owner of the car shows him a valid proof of car insurance. The proof need not be produced at the site of the accident immediately but it has to be handed to the officer within fifteen days of the accident.

If you are the owner of the car then you need to keep the department updated about your insurance status in all circumstances. If you are canceling insurance then you need to surrender the registration as well. Generally the driving license is suspended if you fail to produce the proofs required or fail to follow the procedures. The license can be renewed only after you pay a fine of four hundred dollars.