What is an SR22?
SR22 insurance, or certification more accurately, is carried by high-risk drivers after a license suspension to show that they are driving legally with at least the required liability coverage limits. Driving without insurance isn’t the only thing that can result in a suspended license. Driving under the influence, reckless driving history, and a series of traffic violations can also lead to license suspension and even insurance cancelation by your provider.
In the state of South Carolina, the mandatory minimum liability insurance coverage is:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
When is an SR22 Required in South Carolina?
SR22s exist to certify that high-risk or convicted drivers carry the minimum required insurance along with a valid license because one without the other would not be possible. An SR22 can be required due to:
- Driving under the influence (DUI)
- Driving without insurance
- Multiple traffic violations
- Reckless driving
How Long Must You Carry an SR22 in South Carolina?
In many states, South Carolina included, drivers must carry an SR22 for at least three years or risk further license suspension.
South Carolina DUI Convictions
The most common reason that insurance providers have SR22 services is because of a DUI conviction. The insurance agencies of South Carolina are no exception. Meanwhile, the South Carolina Department of Public Safety enforces the legal blood alcohol concentration (BAC) limit of 0.08 or greater as most states do. Convicted drivers in South Carolina can face: