Vehicle Insurance Requirements Flashcards
7 cards from real SC DMV practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Vehicle Insurance Requirements flashcards as text
South Carolina's required uninsured motorist coverage must meet at least what minimum limits?
Answer: 25/50/25
Uninsured motorist coverage in SC must mirror the state's minimum liability limits of $25,000/$50,000/$25,000.
What document should you keep in your vehicle to show proof of insurance during a traffic stop?
Answer: An insurance identification card
Drivers must carry an insurance ID card in their vehicle, which law enforcement can use to verify coverage quickly during a traffic stop.
What is an SR-22 in the context of South Carolina driving?
Answer: A certificate filed by your insurer proving you carry required coverage
An SR-22 is a certificate of financial responsibility that your insurance company files with the state to verify you meet SC's minimum insurance requirements after certain violations.
Who is typically required to file an SR-22 in South Carolina?
Answer: Drivers convicted of certain serious violations such as DUI or driving without insurance
Drivers convicted of DUI, driving without insurance, or other serious violations are required by the SC DMV to maintain an SR-22 on file, typically for three years.
Which loss does liability insurance NOT cover?
Answer: Damage to your own vehicle
Liability insurance only covers damages and injuries you cause to others; damage to your own vehicle requires collision or comprehensive coverage.
If your auto insurance lapses in South Carolina, what must you do to restore your driving privileges?
Answer: Obtain new insurance and pay any required reinstatement fee
After an insurance lapse, South Carolina requires drivers to obtain new coverage and pay a reinstatement fee before their license and registration privileges are restored.
What is the primary purpose of property damage liability insurance?
Answer: To compensate others for property you damage in an at-fault accident
Property damage liability pays for damage you cause to another person's vehicle, fence, building, or other property when you are at fault in an accident.