As of today, SC ins law requires that when a drivers license is first
issued, or renewed, the individual that it is granted to must certify in
their application form (DL 447) that they hold an adequate automobile
liability policy. If the applicant is not in possession of a vehicle,
they should check off accordingly.
It is stipulated under state law that owners of vehicles provide
adequate proof that the vehicle they own and use is insured. Upon first
registering any motorized vehicle in the state, and when the
registration is being renewed, there is a legal requirement to provide
the name of the insurer who issues the coverage. This information is
verified by South Carolina's Department of Motor Vehicles, if false
information is given the drivers license and vehicle registration can be
suspended.
The rules in regard to carrying proof of insurance vary from state to
state. In South Carolina there is a requirement to provide proof that
the vehicle you operate is insured if pulled over by a law enforcement
officer. If you do not have the right documentation, a citation can be
issued which may result in a fine or possibly even imprisonment. Upon
being presented with a citation, there is a period of thirty days to
provide adequate proof of insurance otherwise the indefinite suspension
of your drivers license can come into force.
If involved in an accident, an investigating officer would issue form
FR10 (Notice of Requirement) which is used to verify that the correct
level of liability insurance was in effect on the date of the accident.
It is the owners responsibility to provide the necessary documentation
within a two week period.
It is important to keep up to date with changes in SC ins law when
residing in the state. Do not underestimate the seriousness of not
abiding by the local insurance regulations.
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