SC DMV Vehicle Insurance Requirements 2 — Questions and Answers
Question 1: South Carolina's required uninsured motorist coverage must meet at least what minimum limits?
- 10/20/10
- 15/30/15
- 25/50/25 (Correct answer)
- 50/100/50
Correct answer: 25/50/25
Uninsured motorist coverage in SC must mirror the state's minimum liability limits of $25,000/$50,000/$25,000.
Question 2: What document should you keep in your vehicle to show proof of insurance during a traffic stop?
- Your full insurance policy booklet
- An insurance identification card (Correct answer)
- A bank statement showing premium payments
- Your vehicle title
Correct 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.
Question 3: What is an SR-22 in the context of South Carolina driving?
- A special high-risk auto insurance policy
- A certificate filed by your insurer proving you carry required coverage (Correct answer)
- A vehicle safety inspection form
- A DMV registration renewal document
Correct 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.
Question 4: Who is typically required to file an SR-22 in South Carolina?
- All first-time driver's license applicants
- Drivers convicted of certain serious violations such as DUI or driving without insurance (Correct answer)
- All drivers over the age of 70
- Drivers of commercial vehicles only
Correct 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.
Question 5: Which loss does liability insurance NOT cover?
- Injuries to passengers in another vehicle
- Damage to another driver's car
- Damage to your own vehicle (Correct answer)
- Legal defense costs if you are sued
Correct 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.
Question 6: If your auto insurance lapses in South Carolina, what must you do to restore your driving privileges?
- Obtain new insurance and pay any required reinstatement fee (Correct answer)
- Simply purchase a new policy with no additional penalty
- Wait six months before you can insure the vehicle again
- File a police report documenting the lapse
Correct 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.
Question 7: What is the primary purpose of property damage liability insurance?
- To pay for repairs to your own vehicle after any accident
- To compensate others for property you damage in an at-fault accident (Correct answer)
- To cover medical bills for your passengers
- To pay for a rental car while yours is being repaired
Correct 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.
SC DMV Vehicle Insurance Requirements 2
South Carolina's required uninsured motorist coverage must meet at least what minimum limits?