Understanding SR22 Insurance in South Carolina

Have you ever heard of SR22 insurance? This type of insurance is often required for drivers who have been convicted of certain traffic offenses, such as DUI or driving without insurance. In South Carolina, having an SR22 policy is mandatory for drivers who fall into this category. If you are in need of SR22 insurance in SC, read on to learn more about what it is, why it’s required, and how to get covered.

What is SR22 Insurance?

SR22 insurance is not actually a type of insurance policy, but rather a certificate that proves you have the required amount of liability coverage. It’s often called a “certificate of financial responsibility.” Basically, it’s a guarantee to the state that you have the minimum amount of insurance coverage required by law.

So, if you have been convicted of a traffic offense and are required to have SR22 insurance, you will need to purchase an insurance policy that meets the state’s minimum liability coverage requirements. The insurance company will then issue an SR22 certificate, which they will file with the South Carolina Department of Motor Vehicles (DMV).

It’s important to note that not all insurance companies offer SR22 insurance. You may need to shop around to find a company that will provide coverage for you.

Why is SR22 Insurance Required in South Carolina?

In South Carolina, SR22 insurance is required for drivers who have been convicted of certain traffic offenses. These offenses typically include DUI, driving without insurance, or driving with a suspended or revoked license.

The purpose of requiring SR22 insurance is to ensure that drivers who have been convicted of these offenses are financially responsible in case they cause an accident. It’s a way for the state to ensure that these drivers are taking responsibility for their actions and have the necessary insurance coverage to cover damages in case of an accident.

How Do I Get SR22 Insurance in South Carolina?

If you need SR22 insurance in South Carolina, the first step is to find an insurance company that offers it. Not all companies offer this type of insurance, so you may need to shop around.

Once you have found an insurance company that offers SR22 coverage, you’ll need to purchase an insurance policy that meets the state’s minimum liability coverage requirements. The insurance company will then issue an SR22 certificate, which they will file with the DMV on your behalf.

It’s important to note that SR22 insurance typically costs more than regular auto insurance. This is because drivers who are required to have SR22 coverage are considered high-risk and are more likely to file claims.

FAQ

Conclusion

If you have been convicted of a traffic offense in South Carolina, such as DUI or driving without insurance, you may be required to have SR22 insurance. This type of insurance is a certificate that proves you have the required amount of liability coverage. To get covered, you’ll need to find an insurance company that offers SR22 coverage and purchase a policy that meets the state’s minimum liability coverage requirements. Although SR22 insurance can be more expensive than regular auto insurance, it’s mandatory if you want to legally drive in South Carolina.