--- title: "South Carolina Uninsured Motorist Coverage: What the Law Requires, the Fund Charge on Your Bill, Whether You Can Reject Underinsured Coverage and What to Ask Your Agent" description: "South Carolina requires uninsured motorist coverage at 25/50/25 on every policy. UIM is optional with a signed form. See the $200 deductible and fund charge." url: "https://riskado.com/south-carolina-uninsured-motorist-coverage/" lang: "en" published: "2026-10-13" modified: "2026-10-13" tags: ["uninsured-motorist-coverage","underinsured-motorist-coverage","hit-and-run","south-carolina-auto-insurance"] image: "https://riskado.com/og/default.jpg" alternates: es: "https://riskado.com/es/cobertura-de-conductor-sin-seguro-en-carolina-del-sur.md" --- # South Carolina Uninsured Motorist Coverage: What the Law Requires, the Fund Charge on Your Bill, Whether You Can Reject Underinsured Coverage and What to Ask Your Agent Riskado Oct 13, 2026 · 13 min read · Updated Oct 13, 2026 ![Traffic on a South Carolina interstate lined with tall pines under a clear sky](https://riskado.com/blog/south-carolina-uninsured-motorist-coverage/featured.jpg) Every South Carolina auto policy must include [uninsured motorist](https://riskado.com/insurance-terms/uninsured-motorist-coverage/) (UM) [coverage](https://riskado.com/insurance-terms/coverage/), with limits of at least $25,000 per injured person, $50,000 per accident for [bodily injury](https://riskado.com/insurance-terms/bodily-injury-liability/) and $25,000 for [property damage](https://riskado.com/insurance-terms/property-damage-liability/), under [S.C. Code § 38-77-150 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php). UM pays when an at-fault driver has no insurance or leaves the scene, and the policy may exclude the first $200 of the property-damage loss. [Underinsured motorist](https://riskado.com/insurance-terms/underinsured-motorist-coverage/) (UIM) coverage is different: [insurers](https://riskado.com/insurance-terms/insurer/) must offer it, but you don't have to buy it, and a signed form records your choice. The small Uninsured Motorist Fund charge on your bill is not the same as the state's uninsured-driving reinstatement fee. ### Key takeaways - **UM is required**Every South Carolina auto policy includes UM of at least $25,000 per person, $50,000 per accident and $25,000 property damage. - **What it pays**UM pays when an at-fault driver has no insurance or leaves the scene. - **$200 deductible**The policy may exclude the first $200 of the UM property-damage loss. - **UIM is optional**Insurers must offer underinsured motorist coverage, and a signed form records whether you accept or reject it. - **Fund charge vs fee**The Uninsured Motorist Fund charge on your bill is not the uninsured-driving reinstatement fee. ## Is uninsured motorist coverage required in South Carolina? Yes. South Carolina's liability minimums are $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident and $25,000 for damage to other people's property, under [S.C. Code § 38-77-140 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php). Section 38-77-150 then requires every automobile policy to carry a UM provision with limits no lower than those amounts, plus at least $25,000 of UM property-damage coverage in one accident. The [South Carolina Department of Insurance (opens in a new tab)](https://doi.sc.gov/auto) (SCDOI) describes the required UM limits as 25/50/25. UM is a built-in part of the policy, not an add-on you choose. What you do choose is whether to buy UM above those minimums and whether to buy UIM. Those two options are where most of the paperwork comes in, so it helps to keep the three pieces separate when you read your declarations page: the mandatory UM, any additional UM and any UIM. South Carolina UM and UIM at a glance Hover or tap a row to highlight it. | Coverage | Rule | Source | | --- | --- | --- | | UM bodily injury, one person | At least $25,000 | [S.C. Code §§ 38-77-140 and 38-77-150 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php) | | UM bodily injury, two or more people | At least $50,000 per accident | [S.C. Code §§ 38-77-140 and 38-77-150 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php) | | UM property damage | At least $25,000 per accident | [S.C. Code § 38-77-150 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php) | | UM property-damage exclusion | The policy may exclude the first $200 | [S.C. Code § 38-77-150 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php) | | Additional UM | Optional, offered up to your liability limits | [S.C. Code § 38-77-160 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php) | | UIM | Optional, offered up to your liability limits | [S.C. Code § 38-77-160 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php) | ## What does uninsured motorist coverage pay for? UM pays the insured all sums the insured is legally entitled to recover as damages from the owner or operator of an uninsured motor vehicle, within the policy limits, under [S.C. Code § 38-77-150 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php). It stands in for the insurance the at-fault driver should have had. It covers you when you're injured or your property is damaged by a hit-and-run driver or an uninsured driver, according to the [SCDOI (opens in a new tab)](https://doi.sc.gov/auto). The coverage has two parts. The bodily-injury part responds to injuries, up to the per-person and per-accident limits on your policy. The property-damage part responds to damage to your property, with at least $25,000 available in one accident. UM doesn't have to pay for property damage you've already been compensated for by insurance or another source, under [S.C. Code § 38-77-210 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php), and it won't pay above your limits or outside the policy's terms. Who counts as an insured depends on the policy. The declarations page, the UM endorsement and the policy definitions decide questions about the named insured, household relatives, passengers, permissive drivers, employees and business vehicles. If someone in your household or business drives regularly, ask your agent to walk through who the UM endorsement covers and in which vehicles. ![A family sedan parked in the driveway of a raised Lowcountry-style house](https://riskado.com/blog/south-carolina-uninsured-motorist-coverage/who-is-covered.jpg) Your UM endorsement and declarations page decide who is covered and in which vehicles. ## How does the $200 UM deductible work? Section 38-77-150 lets a policy exclude the first $200 of the UM property-damage loss. The [SCDOI (opens in a new tab)](https://doi.sc.gov/auto) describes this as a typical $200 deductible. The statute's deductible language concerns injury to or destruction of property, so it describes the property-damage side of UM, not the bodily-injury side. If your insurer pays a UM claim and later recovers that payment from the uninsured driver, you should get your deductible back, according to the [SCDOI auto insurance FAQ (opens in a new tab)](https://doi.sc.gov/FAQ/Topic?mobile=ON&topic=52). Keep your claim number and ask the adjuster to tell you if a recovery happens. ## Can you reject uninsured or underinsured motorist coverage? You can't drop the mandatory UM, because [S.C. Code § 38-77-150 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php) requires it on every automobile policy. What you can decide is whether to buy more. Insurers must offer additional UM up to your liability limits, and they must also offer UIM up to your liability limits, under [S.C. Code § 38-77-160 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php). Both are at your option. UIM is the coverage you can turn down. The insurer needs a signed form from you confirming whether you do or don't want the optional UIM coverage, according to the [SCDOI auto insurance FAQ (opens in a new tab)](https://doi.sc.gov/FAQ/Topic?mobile=ON&topic=52). The same form may also offer higher liability and UM limits. If you don't fill out the form and return it, the insurer will add UIM to your policy and charge you for it. The SCDOI doesn't keep a copy of your form, so ask your agent for a copy of the signed selection or rejection form if you're not sure what you chose. ## What is the Uninsured Motorist Fund charge on your bill? Two dollars of the yearly premium for UM coverage is paid to the South Carolina Department of Motor Vehicles, under [S.C. Code § 38-73-470 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c073.php). Of each $2, $1.20 goes to the State Highway Fund and 80 cents goes to the Uninsured Enforcement Fund, which the Department of Public Safety uses to enforce and administer the state's uninsured-vehicle rules, under [S.C. Code § 56-10-552 (opens in a new tab)](https://www.scstatehouse.gov/code/t56c010.php). That is the small line you may see tied to UM on an insurance bill. A separate Uninsured Motorists Fund holds money the SCDMV collects under Chapter 10 of Title 56, under [S.C. Code § 38-77-151 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php). Its purpose is to reduce the cost of the UM insurance that Section 38-77-150 requires and to protect and educate consumers, under [S.C. Code § 38-77-154 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php). None of this is the same as the uninsured-driving reinstatement fee. Before July 1, 2024, South Carolina let an owner register an uninsured vehicle by paying a $550 fee, under the former [S.C. Code § 56-10-510 (opens in a new tab)](https://www.scstatehouse.gov/Archives/CodeofLaws2023/t56c010.php). That fee was never insurance and bought no coverage. The section is now reserved, according to the current [Title 56, Chapter 10 (opens in a new tab)](https://www.scstatehouse.gov/code/t56c010.php). Today the fee you'll hear about is the reinstatement fee in [S.C. Code § 56-10-520 (opens in a new tab)](https://www.scstatehouse.gov/code/t56c010.php), which applies after a conviction for operating an uninsured vehicle. The statute sets it at $600 until adjusted, lets it change at the start of each calendar year and has the SCDOI set the exact amount by annual order. The [SCDMV (opens in a new tab)](https://www.dmv.sc.gov/driver-services/drivers-license/insurance-requirements/facts-about-driving-uninsured) currently shows $700 for an owner convicted of driving an uninsured vehicle they own, and [SCDOI Order No. 2026-002 (opens in a new tab)](https://doi.sc.gov/m/newsflash/Home/Detail/501), posted October 12, 2026, sets the calendar-year 2027 fee at $775. Neither amount is a premium, and paying it doesn't insure a car. UM charges and uninsured-driving fees in South Carolina Hover or tap a row to highlight it. | Item | Amount | What it is | | --- | --- | --- | | UM premium allocation | $2 of the yearly UM premium | Paid to the SCDMV: $1.20 to the State Highway Fund and 80 cents to the Uninsured Enforcement Fund ([§§ 38-73-470 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c073.php) and [56-10-552 (opens in a new tab)](https://www.scstatehouse.gov/code/t56c010.php)) | | Former uninsured vehicle fee | $550 | Paid to register an uninsured vehicle before July 1, 2024; never insurance | | Reinstatement fee in the statute | $600 until adjusted | Set each calendar year by SCDOI order ([§ 56-10-520 (opens in a new tab)](https://www.scstatehouse.gov/code/t56c010.php)) | | Fee the SCDMV currently shows | $700 | For an owner convicted of driving an uninsured vehicle they own | | Calendar-year 2027 fee | $775 | Set by [SCDOI Order No. 2026-002 (opens in a new tab)](https://doi.sc.gov/m/newsflash/Home/Detail/501), posted October 12, 2026 | ## What should you do after a crash with an uninsured or hit-and-run driver? When the other driver is identified but uninsured, get their name, vehicle details and any insurance information they give you, call law enforcement when appropriate, notify your insurer promptly and keep the records your insurer asks for. Photos, witness names, medical records and repair estimates all help. A hit-and-run has stricter rules. When the at-fault owner or operator is unknown, [S.C. Code § 38-77-170 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php) allows recovery under UM only if all three of these are true: - You, or someone on your behalf, reported the accident to an appropriate police authority within a reasonable time under the circumstances. - The injury or damage came from physical contact with the unknown vehicle, or someone other than the insured vehicle's owner or driver witnessed it and signs an affidavit, or you can provide a recording showing the unknown vehicle caused the damage or injury. - You weren't negligent in failing to identify the other vehicle and its driver at the time of the accident. If the witness won't sign the affidavit, the statute lets you ask a court for a presuit deposition of the witness. A dashcam recording counts as a recording under the statute, so save the file before it's overwritten. If a UM or UIM claim goes to court, copies of the pleadings establishing liability must be served on the insurer that wrote your UM or UIM coverage, and that insurer has 30 days after service to appear, under [S.C. Code §§ 38-77-150 and 38-77-160 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php). Your policy also sets its own notice and proof requirements. Ask your insurer for those terms soon after the crash, and talk with a licensed attorney about any filing deadline that could apply to your claim. ![A small dashboard camera mounted near a car windshield, looking out at a city street](https://riskado.com/blog/south-carolina-uninsured-motorist-coverage/hit-and-run.jpg) After a hit-and-run, report it to police within a reasonable time and save any recording of the crash. ## How does underinsured motorist coverage work with the other driver's limits? UIM covers damages above the liability limits the at-fault driver carries, or above a damages cap set by statute, under [S.C. Code § 38-77-160 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php). The other driver's liability coverage comes first. Your UIM responds to the part of your damages it doesn't reach, subject to your UIM limits and policy terms. The statute also limits stacking. If you carry UM or UIM above the basic limits, you're protected only to the extent of the coverage on the vehicle involved in the accident. If none of your vehicles was involved, the coverage is limited to what's on any one of your vehicles with the excess or UIM coverage. UIM benefits aren't subject to subrogation and assignment. Two settlement rules matter. If the at-fault driver's insurer settles by paying its full liability limits, your UIM insurer may take over the defense for its own benefit. A UIM policy also can't include a clause requiring the insurer's consent before you settle with the at-fault party, under the same section. How the liability-limit credit and your damages work out in your case depends on your declarations page, the endorsement and the facts, so ask your insurer to explain the calculation in writing. ## How is UM different from MedPay, health insurance and collision? Each coverage has its own trigger. UM responds to damages you're legally entitled to recover from an uninsured or hit-and-run driver. Medical payments coverage, if you bought it, pays covered medical expenses under its own terms. South Carolina doesn't mandate personal injury protection, under [S.C. Code § 38-77-144 (opens in a new tab)](https://www.scstatehouse.gov/code/t38c077.php), so PIP isn't part of a standard South Carolina policy the way it is in no-fault states. Collision coverage pays for physical damage to your car when it collides with an object such as a tree or another car, subject to its deductible, according to the [SCDOI (opens in a new tab)](https://doi.sc.gov/auto). Collision is optional. UM property damage can respond when an uninsured or hit-and-run driver causes the damage, subject to the $200 exclusion and the policy terms. If you carry both, ask your insurer which coverage it will use and which deductible applies. UM compared with MedPay, collision and health insurance Hover or tap a row to highlight it. | Coverage | When it responds | Required in South Carolina? | | --- | --- | --- | | Uninsured motorist (UM) | Damages you're legally entitled to recover from an uninsured or hit-and-run driver | Yes, at 25/50/25 | | Underinsured motorist (UIM) | Damages above the at-fault driver's liability limits | No, but insurers must offer it | | Medical payments (MedPay) | Covered medical expenses under its own terms | No | | Collision | Physical damage to your car from colliding with an object, subject to its deductible | No | | Health insurance | Treatment under the health plan's terms | Not part of the auto policy | Health insurance pays for treatment under the health plan's terms. When health insurance, MedPay and UM all touch the same injury, coordination, reimbursement and subrogation clauses can change who pays first. Ask both insurers how they coordinate before you assume one bill cancels another. ![A car with a crumpled rear quarter panel parked in a repair shop bay](https://riskado.com/blog/south-carolina-uninsured-motorist-coverage/coverage-compare.jpg) UM, MedPay, collision and health insurance each start from a different trigger. ## What happens if your auto insurance lapses? Insurers notify the SCDMV when a vehicle owner cancels a policy. If you don't have current insurance when that notice arrives, the [SCDMV (opens in a new tab)](https://www.dmv.sc.gov/driver-services/drivers-license/insurance-requirements/facts-about-driving-uninsured) sends a letter requiring your insurer to verify coverage electronically within 20 business days. Without verification, your driving privilege, plate and the registrations of the vehicles listed on the policy are suspended, and reinstating them can cost up to $400. ### What happens after an insurer reports a canceled policy 1. Insurer noticeYour insurer tells the SCDMV the policy was canceled. 2. SCDMV letterIf you have no current insurance, the SCDMV sends a letter. 3. 20 business daysYour insurer has to verify coverage electronically within this window. 4. SuspensionWithout verification, your driving privilege, plate and registrations on the policy are suspended. 5. ReinstatementReinstating your driving and registration privileges can cost up to $400. You avoid the penalty if you turn in your plate and registration at an SCDMV branch before you cancel the insurance. A conviction for driving uninsured is a separate matter, with the reinstatement fee and an SR-22 filing for an owner, so see our guides to [driving without insurance in South Carolina](https://riskado.com/south-carolina-driving-without-insurance/) and [South Carolina SR-22 insurance](https://riskado.com/south-carolina-sr22-insurance/) for those steps. ## How do you check an agent or file a complaint? Before you buy, look up the agent and insurer in the [South Carolina insurance license lookup (opens in a new tab)](https://sbs.naic.org/solar-external-lookup/?jurisdiction=SC). Agents are called producers in licensing records. For a UM or UIM claim problem, contact the insurer first and give it a chance to resolve the issue, according to the [SCDOI Consumer Complaint Form (opens in a new tab)](https://doi.sc.gov/DocumentCenter/View/14594/Consumer-Complaint-Form-PDF-). If that doesn't work, file a complaint with the SCDOI Office of Consumer Services by email at consumers@doi.sc.gov, by phone at [803-737-6180](tel:+18037376180) or toll free at [1-800-768-3467](tel:+18007683467), according to the [SCDOI (opens in a new tab)](https://doi.sc.gov/auto). Include the insurer's name, the agent or adjuster's name, your policy and claim numbers, the date of loss, a detailed description and your supporting documents. If an attorney represents you, the SCDOI needs the attorney's written authorization. The SCDOI can review whether the insurer followed the law and ask for its explanation. It can't give legal advice, decide who was at fault, set the value of a claim or force an insurer to pay a claim when no law, rule or policy provision was broken. ![A kitchen table with a folder of claim papers, a pen and a phone](https://riskado.com/blog/south-carolina-uninsured-motorist-coverage/complaint.jpg) Contact the insurer first, then file with the SCDOI if the issue stays unresolved. ## Questions to ask your agent - What UM limits are on my declarations page, and how much additional UM is available? - Is UIM on my policy, rejected or waiting on a signed form? Can I get a copy of that form? - What UIM limits can I buy, up to my liability limits? - Is my UM property-damage deductible $200, and does anything else apply? - Who does my UM endorsement cover: household relatives, passengers, permissive drivers? - Does the policy cover business use, employees or commercial vehicles? - What exclusions apply to UM and UIM? - What happens if the other driver has some insurance but not enough? - What notice do you need from me before I settle with the at-fault driver? - What documents do you need for a hit-and-run claim? - How does UM coordinate with my collision, MedPay and health insurance? - What are my policy's notice and proof-of-loss requirements? - If my car is financed, what coverage does my lender require? To find someone to go over these with you, [Riskado's directory](https://riskado.com/agencies/south-carolina/) lists insurance agencies in South Carolina by city and by category. Our national article on [whether you need uninsured motorist coverage](https://riskado.com/do-i-need-uninsured-motorist-coverage/) explains the coverage in general terms, and [North Carolina uninsured motorist coverage](https://riskado.com/north-carolina-uninsured-motorist-coverage/) shows how the rules differ across the state line. **Quiz: Check what you know about South Carolina uninsured motorist coverage** 1. Is uninsured motorist coverage required on South Carolina auto policies? - Yes, at limits no lower than 25/50/25 **(correct answer)** - Only if you finance the car - No, it's optional 2. Can you reject underinsured motorist coverage in South Carolina? - No, it's mandatory - Yes, it's optional, and a signed form records your choice **(correct answer)** - Only on commercial policies 3. How much of the UM property-damage loss can a policy exclude? - The first $100 - The first $200 **(correct answer)** - The first $500 4. For a hit-and-run UM claim, which of these can satisfy the statute alongside a timely police report? - Physical contact with the unknown vehicle, a signed witness affidavit or a recording **(correct answer)** - A repair estimate alone - A phone call to your agent 5. Did the former $550 uninsured vehicle fee buy insurance? - Yes, it bought minimum coverage - No, it was a fee and never insurance **(correct answer)** - Only for the first year ## Frequently asked questions A few more questions come up once you've read your declarations page. ### Can I lower my UM limits below 25/50/25? No. Section 38-77-150 sets UM limits no lower than the liability minimums in Section 38-77-140, plus at least $25,000 of UM property-damage coverage. You can buy more, up to your liability limits, but not less. ### Does the $200 deductible apply to my injury claim? The statute's $200 exclusion applies to the property-damage part of UM. Your policy's UM endorsement lists any terms that apply to the bodily-injury part, so ask your adjuster to point to the exact provision. ### Will my insurer raise my rates after a UM claim? Each insurer uses its own rating system, and prior claims are one of the factors that can affect your premium, according to the [SCDOI (opens in a new tab)](https://doi.sc.gov/auto). Ask your agent how your insurer treats a not-at-fault UM claim at renewal. ### Does the SCDOI decide my UM claim? No. The SCDOI reviews complaints and asks insurers to explain their actions, but it can't decide fault or claim value, according to the [SCDOI Consumer Complaint Form (opens in a new tab)](https://doi.sc.gov/DocumentCenter/View/14594/Consumer-Complaint-Form-PDF-). A disagreement over what the claim is worth goes back to the insurer, and you may want to speak with a licensed attorney. ### Can I get UM benefits if I was driving uninsured myself? UM protects people insured under a policy against an uninsured or hit-and-run driver. An uninsured driver doesn't get UM benefits just because the other driver had insurance, and driving an uninsured vehicle you own can bring a conviction, suspension and the reinstatement fee under [S.C. Code § 56-10-520 (opens in a new tab)](https://www.scstatehouse.gov/code/t56c010.php). ## Check your policy before you need it Pull your declarations page and look for three lines: UM, any additional UM and UIM. Confirm the limits, ask for a copy of your signed UIM form, and note the $200 property-damage deductible. If you ever have a hit-and-run, report it to police quickly and save any video. The [South Carolina car insurance requirements](https://riskado.com/south-carolina-car-insurance-requirements/) guide covers the rest of what a South Carolina policy must carry. ### Key terms Tap a term to see what it means. **Uninsured motorist (UM) coverage.** Coverage for damages you're legally entitled to recover from an uninsured or hit-and-run driver; required on South Carolina auto policies. ## More articles - [South Carolina Motorcycle Insurance: Required Coverage, What It Costs, Helmet and License Rules and What to Ask Your Agent](https://riskado.com/south-carolina-motorcycle-insurance/): South Carolina motorcycles need 25/50/25 liability plus uninsured motorist coverage. See what it costs and the registration, endorsement and helmet rules. - [Georgia Uninsured Motorist Coverage: Added-On vs Reduced-By, Rejecting It in Writing, Stacking and the Property Damage Deductible](https://riskado.com/georgia-uninsured-motorist-coverage/): Georgia UM coverage is added-on unless you choose reduced-by in writing. See how each form pays, how to reject UM, stacking and the $250 to $1,000 deductibles. - [Massachusetts Uninsured Motorist Coverage: What Is Required, What Underinsured Coverage Adds and How Claims Work](https://riskado.com/massachusetts-uninsured-motorist-coverage/): Massachusetts requires uninsured motorist coverage on every auto policy, at $25,000 per person and $50,000 per accident since July 1, 2025. See how claims work. - [North Carolina Uninsured Motorist Coverage: What the Law Requires, the Deductible, Underinsured Coverage and What to Ask Your Agent](https://riskado.com/north-carolina-uninsured-motorist-coverage/): North Carolina requires uninsured motorist coverage on most auto policies, plus underinsured coverage on policies issued or renewed since July 1, 2025. ## Newest guides 1. [1Additional Insured: What It Means, How It Differs From a Certificate, and What It Costs](https://riskado.com/additional-insured/) 2. [2Alabama Insurance Underwriting Association (the Beach Pool): Who Qualifies on the Coast, Wind and Hail Only Policies and How to Pair Them With Homeowners Coverage](https://riskado.com/alabama-beach-pool/) 3. [3Alabama Boat Insurance: Whether It Is Required, Marina and Lender Requirements, What a Policy Covers, Registration and Marine Patrol Rules](https://riskado.com/alabama-boat-insurance/) 4. [4Alabama Car Insurance Requirements: The 25/50/25 Minimums, Proof of Insurance, the Uninsured Motorist Offer and How Alabama Fault Rules Affect a Claim](https://riskado.com/alabama-car-insurance-requirements/) 5. [5Alabama Driving Without Insurance: The Ticket and Fine, Whether Jail Is Possible, License and Registration Suspension and What to Do After a Stop](https://riskado.com/alabama-driving-without-insurance/) ## More in Auto 1. [1Alabama Boat Insurance: Whether It Is Required, Marina and Lender Requirements, What a Policy Covers, Registration and Marine Patrol Rules](https://riskado.com/alabama-boat-insurance/) 2. [2Alabama Car Insurance Requirements: The 25/50/25 Minimums, Proof of Insurance, the Uninsured Motorist Offer and How Alabama Fault Rules Affect a Claim](https://riskado.com/alabama-car-insurance-requirements/) 3. [3Alabama Driving Without Insurance: The Ticket and Fine, Whether Jail Is Possible, License and Registration Suspension and What to Do After a Stop](https://riskado.com/alabama-driving-without-insurance/) 4. [4Alabama Insurance Lapse Fine: How the Online Insurance Verification System Finds a Lapse, the Notice, Fees and Reinstatement, Stored Vehicles and How to Pay or Appeal](https://riskado.com/alabama-insurance-lapse-fine/) 5. [5Alabama Motorcycle Insurance: Whether It Is Required, Minimum Limits, Helmet and License Rules, What It Costs and What a Policy Covers](https://riskado.com/alabama-motorcycle-insurance/)