Facts about Driving Uninsured

Reporting Liability Insurance Coverage

Insurance companies will notify SCDMV of policy cancellations electronically through the Automobile Insurance Liability Reporting System (ALIR).


When SCDMV receives this notification and no current insurance is on file, a letter is automatically generated to the vehicle owner requiring them to have their insurance company electronically verify insurance coverage within 20 business days.


If SCDMV does not receive verification within the allotted period of time, the vehicle owner's privilege to drive, license plate and vehicle registration(s) of the vehicles listed on the policy will be suspended. The owner may have to pay up to $400.00 to reinstate their driving and registration privileges. 


While under suspension, you may not drive any vehicle or register any vehicle that was uninsured. If you do not return your vehicle license to the SCDMV, a SC Trooper will confiscate your license plate.


What should I do to protect myself?
All registered vehicles must be insured. Maintain your insurance coverage and do not let your policy lapse. If you surrender your vehicle tag and registration to your nearest DMV office before you cancel the insurance, you will not be penalized.


What happens if I receive a citation for driving uninsured?
If you are found guilty and you were driving a vehicle that you did not own, your driver's license will be suspended for thirty days and you will be required to pay a $100.00 reinstatement fee. If you were found guilty and you were driving a vehicle that you own, your driver license and your registration privileges will be suspended until the Department receives the $550.00 uninsured motorist fee. You will also be required to file SR-22 for three years starting from the beginning date of the suspension.

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