No, you cannot legally drive in South Carolina without insurance. South Carolina requires all motor vehicle owners to carry liability insurance coverage as a mandatory requirement. Liability insurance helps cover the costs of injuries and property damage that you may cause to others in the event of an accident for which you are at fault.
Driving without insurance in South Carolina is a violation of state law, and it can result in penalties, fines, suspension of your driver’s license, and potential legal consequences. To drive legally in South Carolina, you must maintain the minimum required liability insurance coverage and carry proof of insurance when operating a motor vehicle.
Woron and Dhillon, LLC, in Columbia, SC, can provide legal advice and assistance if you have questions or issues related to insurance requirements and compliance with South Carolina’s motor vehicle laws.
After a car accident, you should take the following steps regarding your car insurance:
- Safety First: Ensure the safety of all parties involved. Check for injuries and seek medical attention if necessary.
- Exchange Information: Exchange contact and insurance information with the other driver(s) involved in the accident. This includes names, phone numbers, insurance company names, policy numbers, and vehicle information.
- Report the Accident: Notify your insurance company as soon as possible. This is typically required by your policy. Provide them with accurate and complete information about the accident.
- Document the Scene: If it’s safe to do so, take photos of the accident scene, damage to vehicles, and any injuries. This documentation can be valuable for insurance claims.
- Cooperate with the Investigation: Your insurance company may conduct an investigation into the accident. Be honest and cooperative in providing information.
- Get a Police Report: If law enforcement responds to the accident, request a copy of the police report. This can be helpful for insurance purposes.
- Obtain Repair Estimates: If your vehicle is damaged, get repair estimates from trusted mechanics or repair shops. Share these estimates with your insurance adjuster.
- Consider Rental Car Coverage: If your car is not drivable, check if your insurance policy includes rental car coverage. If it does, you may be eligible for a rental vehicle while yours is being repaired.
- Follow Medical Advice: If you were injured, follow the advice of medical professionals for treatment and recovery. Keep records of medical bills, prescriptions, and treatment plans.
- Keep Records: Maintain records of all communication with your insurance company, including phone calls, emails, and letters.
- Understand Your Coverage: Review your insurance policy to understand what is covered, including liability coverage, collision coverage, and any additional coverages you may have.
- Avoid Discussing Fault: Be cautious when discussing fault for the accident, especially with the other party’s insurance company. Stick to the facts and avoid admitting fault.
- Seek Legal Advice: If the accident results in significant injuries, disputes with the insurance company, or other complexities, consider consulting with an attorney, such as Woron and Dhillon, LLC in Columbia, SC, to protect your rights and interests.
Remember that insurance policies and procedures may vary, so it’s essential to consult your specific insurance policy and your insurance company’s guidelines for handling post-accident procedures.