The fine for an insurance lapse in South Carolina is $5 per day, up to a maximum fine of $200 per occurrence. When a car insurance policy is canceled, an electronic notification is sent to the South Carolina Department of Motor Vehicles. A request for proof of insurance may be sent to the driver, requesting a response within 20 days. If no response is received, the driver’s license and vehicle registration may be suspended. If your insurance lapses, you may have to provide a proof of insurance SR-22 form from your insurance company, proving coverage was reinstated.