If you don’t keep up with your South Carolina car insurance payments as agreed, you will be facing a number of consequences. For one thing, you can’t have a driver’s license issued in your name unless you can provide proof of insurance.
If you are stopped by a police officer, you will be asked to show proof of insurance. Failure to do so on request means that will be facing a possible license suspension, as well as a fine and/or a jail sentence.
Your insurance company is required to report a lapse in coverage to the state Department of Motor Vehicles (DMV). The DMV will send you a notice requiring you to respond with proof that you do have insurance in place. Failure to provide this information within the time limit set on the notice carries penalties such driver’s license suspension or revocation, as well as a reinstatement fee if you are able to arrange coverage.
If you missed a payment due to an oversight, contact your South Carolina car insurance company immediately to make arrangements to make up the payment. Keep in mind that until your insurer receives the payment, you don’t have coverage. You will need to keep your vehicle parked during this time or risk being held personally responsible for damages caused in an accident. Once you have coverage reinstated, you can start driving again.