Drivers convicted of serious traffic offenses, including driving while under the influence (DUI) and those with multiple moving violations, may be required to file an SR-22 form for at least three years with South Carolina’s Department of Motor Vehicles (DMV).
This form serves as proof of financial responsibility. It shows that the driver has at least the minimum auto liability insurance coverage required by South Carolina.
Do I Need an SR-22 Form In South Carolina? 
While all South Carolina drivers generally must maintain auto liability insurance according to state laws, not all drivers must file an SR-22 form.
If you receive notice from the South Carolina DMV or a judge that you must file SR-22, acting quickly is crucial. Contact your agent to get the process of filing an SR-22 form started. They can verify that your auto insurance coverage meets South Carolina’s minimum standards and file the form with the DMV before the deadline.
What Does SR-22 Compliant Car Insurance Cover?
South Carolina generally requires all drivers to maintain minimum auto liability insurance. This coverage may help pay for your legal liability if you cause an accident. Uninsured motorist coverage is also generally required in South Carolina.
Your liability insurance and uninsured motorists coverage only pays claims up to the policy’s limits, so working with your agent to determine the appropriate coverage for your situation is crucial.
In general, SR-22-compliant insurance provides coverage for the following:
- Bodily injury liability insurance may help pay third-party accident-related medical bills, lost wages and funeral costs.
- Property damage liability insurance may pay to replace or repair vehicles and objects you hit while driving, including buildings, fences, guard rails and signs.
- Uninsured motorist coverage may help cover your accident-related medical costs and vehicle damage if you are involved in a hit-and-run accident or if the person who caused the accident is uninsured. Underinsured motorist coverage is also typically available, which helps cover your losses if the at-fault driver doesn’t have enough coverage to pay the damages.
What Happens If My Car Insurance Coverage Lapses?
Your insurer notifies the DMV if you must file SR-22 and your coverage lapses. This could also result in serious penalties, including license suspension, fines and reinstatement fees.
If your car insurance coverage is canceled or lapses due to nonpayment, you must find a different insurer or bring your policy payments up to date to reinstate your coverage.
How to SR-22 Compliant Insurance In South Carolina
If you must file an SR-22 form and need auto insurance, the agents at Affordable Insurance Group serving the Columbia, South Carolina, area are here to help. Contact us today to get SR-22-compliant auto insurance or for help filing an SR-22 with the state of South Carolina.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.