What Happens if I Get Into a Car Accident With No Insurance in South Carolina?

Getting into a car accident is a stressful experience, and the case can get even more complicated if you don’t have car insurance. Like most states, South Carolina requires that every driver carry a minimum amount of auto insurance. If caught driving without insurance, you may incur severe penalties, ranging from hefty fines to license suspension or even jail time. If you’re involved in an accident, whether at fault or not, navigating the aftermath when you don’t have insurance can be challenging. However, no need to panic. Here’s everything you need to know to understand what happens and how to navigate the situation.

Penalties for Driving Without Insurance in South Carolina

Driving without insurance in South Carolina is a risky move that may result in facing $100-$600 fines for the first offense, while subsequent violations may result in higher penalties. You also risk serving jail time if you do not pay the fines or if this isn’t your first offense. Moreover, the South Carolina Department of Motor Vehicles (SCDMV) can suspend your driver’s license and registration if found to be driving without insurance. You may also have your vehicle impounded if you cannot provide proof of insurance, and the insurance company may increase your insurance premiums.

What if You’re at Fault and Have No Insurance?

South Carolina is an at-fault state, meaning that if you are at fault, you may be responsible for damage caused to the other party and yours. Since in this case you don’t have insurance, here’s what may happen:

• Repair and Replacement Costs: If you damage the other driver’s car, you’ll likely have to pay out of pocket for the repair or replacement costs.
• Medical Bills: Injuries to the other driver, their passengers, or even pedestrians could leave you facing astronomical medical expenses, not forgetting your own.
• Legal Fees: If you can’t pay for the damages, the other driver may sue you. On top of compensating them, you might also cover their legal expenses.

What if You’re Not at Fault but Uninsured?

Now, what if you’re uninsured but not to blame for the accident? The good news is that you won’t be held responsible for covering damages caused by the other driver. You can even sue the at-fault driver for any medical bills or car repairs you’ve incurred.

However, the bad news is that driving without insurance still carries penalties, even if the accident wasn’t your fault. As stated earlier, law enforcement officers may seize your car once they discover that you’re uninsured, have to pay fines, and your driving privileges and vehicle registration could be temporarily revoked. If you decide to get insurance later, you’ll likely pay a higher rate due to your record of driving uninsured. Depending on the circumstances of your case, jail time may also be possible.

What Should You Do After an Accident Without Insurance?

First, don’t panic. Stay at the scene, call the police, and exchange contact information with the other driver. Be honest with law enforcement about your insurance status; lying could worsen your situation. You should also consider consulting a car accident lawyer who can help you understand your rights, explore your options, and possibly reduce the penalties you’re facing.

Attorney Gus Anastopoulo Is Here To Help

If you have been involved in a car accident without insurance, contact our  Charleston car accident attorney at Gus Anastopoulo Law Firm today for legal guidance.