SC DMV Vehicle Insurance Requirements 2

Question 1

South Carolina's required uninsured motorist coverage must meet at least what minimum limits?

Accepted Answer

25/50/25

Answer

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?

Accepted Answer

An insurance identification card

Answer

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?

Accepted Answer

A certificate filed by your insurer proving you carry required coverage

Answer

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?

Accepted Answer

Drivers convicted of certain serious violations such as DUI or driving without insurance

Answer

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?

Accepted Answer

Damage to your own vehicle

Answer

Liability insurance only covers damages and injuries you cause to others; damage to your own vehicle requires collision or comprehensive coverage.

SC DMV - South Carolina Department of Motor Vehicle Test Practice Test

SC DMV - South Carolina Department of Motor Vehicle Test Practice Test

SC DMV Vehicle Insurance Requirements 2