If you were handed a green Financial Responsibility form at the scene of a collision and you’re wondering, “How do I submit a FR‑10 to South Carolina DMV?” you have just 15 days to prove you were insured; otherwise, your license and registration could be suspended.
What the FR‑10 Is and Why It Matters
The FR‑10 is a one‑page insurance‑verification form that the responding officer gives every driver involved in a reportable crash. When it reaches the SCDMV, it confirms that you had at least the state minimum liability coverage at the time of the wreck. Missing the deadline lets the DMV assume you were uninsured, triggering automatic suspension and fines.
How Do I Submit a FR‑10 to South Carolina? Step‑by‑Step
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Contact your insurer immediately
Give them the FR‑10 claim number and accident details so they can complete the “Insurance Certification” section. Most big carriers now upload the form for you. -
Choose one of three delivery options within 15 days
Method Who sends it Details Source Electronic upload (preferred) Insurance company/agent Uses the SCDMV’s ALIR portal; confirmation is instant. SCDMV Onlinesc-alir.com Mail You or your insurer Send original to SCDMV – Office of Financial Responsibility, PO Box 1498, Blythewood SC 29016‑0050. sc-alir.com In person You Hand‑deliver to any SCDMV branch and keep the stamped copy. Cavanaugh & Thickens, LLC -
Verify receipt
Log in to the SCDMV Member Services site or call 803‑896‑5000; the status should read “Insurance Verified.” Allow 24–48 hours for electronic filings.
2025 Updates You Should Know
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Paperless push: More insurers are defaulting to the ALIR system, so many drivers never need to mail the form.
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Extended office hours: Blythewood headquarters now offers Saturday walk‑ins during peak spring travel season (April–June 2025).
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Text alerts: If you submit electronically, SCDMV sends an SMS confirmation when the FR‑10 is processed—opt in via your insurer’s portal.
Penalties for Missing the 15‑Day Deadline
Failing to file on time is treated the same as driving uninsured: your license and registration are suspended until proof and fees are provided, with fines starting at $100 for a first offense.
Pro Tips for a Smooth Filing
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Snap a photo of the completed FR‑10 before it leaves your hands.
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Use certified mail if you cannot submit electronically.
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Keep your insurer’s claim number handy; SCDMV staff may ask for it when you call.
FAQ
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Do I need to submit a FR‑10 if the crash wasn’t my fault?
Yes. Every driver in a reportable collision must file, regardless of fault. -
Can I upload the FR‑10 myself?
Only licensed insurers and agents have ALIR access. You can mail or hand‑deliver it if your carrier won’t file electronically. -
Where exactly do I mail the form?
SCDMV – Office of Financial Responsibility, PO Box 1498, Blythewood, SC 29016‑0050. -
What happens if I’m late?
Expect immediate suspension of your driver’s license and registration, plus at least a $100 reinstatement fee. -
How can I confirm the DMV received my FR‑10?
Check your driving status online through SCDMV Member Services, or call 803‑896‑5000 with your driver’s license number.
