on ins and outs of vehicle insurance in S.C.
By JOHNNY L. JACKSON
Jackson Insurance Agency
Special to CharlestonCurrents.com
3, 2009 -- All states require drivers to maintain liability insurance
coverage on their vehicles on the road. But in the state of South
Carolina, the law requires you to maintain liability insurance coverage
for your vehicle at all times. If you do not, your insurance company
will notify the S.C. Department of Motor Vehicles of your policy
cancellation electronically through the Automobile Insurance Liability
Reporting System (ALIR).
SCDMV receives this notification, a letter is sent to the registered
vehicle owner requiring him to provide proof of insurance coverage
within 20 business days. If you fail to respond to the request for
verification, your privilege to drive, license plate and registration(s)
of the vehicles listed on the policy could be suspended.
So, what can you do to prevent penalty fees? Here are some tips
from the SCDMV:
your VIN: Because your vehicle identification number (VIN)
is the primary match between SCDMV and insurance records, you
should ensure that the VIN on your insurance policy matches the
VIN on your vehicle registration.
to do if you sell: If you sell your vehicle, complete a Notice
of Vehicle Sold (Form 416) and return your license plate to the
SCDMV before you cancel the insurance coverage on the vehicle.
vehicles: If you are not driving your vehicle and plan to
cancel the insurance coverage, you must return the license plate
to SCDMV before canceling the insurance coverage. Otherwise, you
will be subject to a $5-per-day fee for each day your vehicle
your address: If you move, notify SCDMV to ensure your correct
address is included in your record. SCDMV is only required to
send correspondence to the address of record. You are responsible
for meeting all requirements.
not operate an uninsured vehicle: If
you own a vehicle that is operated or insured by someone else,
you are still financially responsible for the vehicle. If the
other persons insurance coverage lapses, you are responsible
for insuring the vehicle. If you do not have liability insurance
coverage or you are operating an uninsured vehicle and you have
an accident, your privilege to drive will be suspended.
the minimum limits for our state are 25/50/25, which
means you must have at least $25,000 of bodily injury coverage for
each person you may injure in any single accident; $50,000 of per-accident
bodily injury coverage; and at least $25,000 for property damage
coverage for each accident you may cause.
the time now to review your insurance policy and make sure that
your policy is in effect and that your coverage is up-to-date. If
it is not, or if your situation has changed, talk to your agent
as soon as possible. The SCDMV will not accept not knowing the laws
requirements as an excuse or reason to waive fees once they have
been assessed against you.
L. Jackson (firstname.lastname@example.org)
is the president of Jackson Insurance Agency, which is celebrating
20 years in the insurance industry this year.
least the wildflowers helped while stranded
ANDY BRACK, publisher
3, 2009 So Delta, the champagne of airlines?
being held at the carrier's mercy all day Sunday, perhaps not. Our
9:45 a.m. flight from Chicago to Atlanta was overbooked. Just like
the 11 a.m. one, the 12:10 p.m. flight, the 3 p.m. fight and so
as we sat at a gate in Midway airport waiting to learn our flight
fate, we ran into Charleston businesswoman Colleen Moring, also
caught up in the snafu.
days, you have to have a Plan B and Plan C, she said. Just
to get to Chicago earlier in the weekend, she was bumped off a flight
from Atlanta to Chicago. Instead of waiting on Delta, she went to
another airline to buy a ticket so she wouldn't miss an evening
engagement in the Windy City. But guess what happened Sunday? She
was bumped again. Talk about adding insult to injury.
Delta. Thanks a lot from me and Colleen.
to Delta PR people: Instead of your gate people telling irritated
passengers that all flights for the day have been overbooked (that
got a lot of people's blood boiling), it might have been smarter
to give a little context. After questioning, we learned a Saturday
flight from Chicago to Atlanta actually had been canceled. And that
caused the airline to rebook Saturday's passengers for Sunday, which
created all of the overbooking nightmares on Sunday.
explanation made us feel a little better (in addition to the monetary
bribe that Delta gave us for the inconvenience). But
happy with this champagne of airlines, we are not.
time, we'll go with AirTran or USAirways.
* * * *
is one of the helpful signs visitors to Millennium Park in
Chicago find as they wonder the names of the beautiful native
plants in The Lurie Garden.
a more uplifting subject, one of the great things about Chicago
is its Millennium Park. Not only is it filled with great public
art, such as two four-story rectangular fountains that create waterfalls
to the glee of children, but the park has an outstanding space of
teeming native plants, the Lurie Garden.
Sunday (after heading back into town to wait for the 7 p.m. Flight),
we were surprised to spy a brown rabbit munching on plants in the
garden. Amidst bumblebees and butterflies, we saw lots of flowers
that grow well here coneflowers, small sunflowers, sage,
bee balm, calamint, daylilies, hyssop, Joe Pye weed, butterfly weed
more interesting were the signs put up by the park that outlined
what was in bloom in the garden. That's an idea that would benefit
residents and tourists who look at our public gardens in Charleston.
It also would be fun if some of our public spaces had large wildflower
beds like in the Lurie Garden.
off to Chicago. Maybe the parks folks in Charleston will take a
tip from you.
Brack, publisher of CharlestonCurrents.com, can be reached at: email@example.com.
do you think about the airlines?
a comment or want to vent? If you have something to
say about leadership in South Carolina, the state of baseball
today, good barbecue or something about your community's government,
drop us a line to: firstname.lastname@example.org.
Please send no more than 200 words and include contact information
(phone number, hometown) so we can get in touch with you.
public spiritedness of our underwriters and nonprofit partners allows
us to bring CharlestonCurrents.com to you at no cost. This issue's
featured nonprofit partner is the Center
for Women, the only comprehensive women's development center
in South Carolina. The Center for Women is a nonprofit organization
whose mission is to make personal and professional success an everyday
event for Lowcountry women. The Center, honored in 2006 by Oprah's
Angel Network with a $25,000 grant, has reached more than 70,000
women since it started in 1990. Not only has it connected thousands
of women to professional sources for practical help, support, counseling
and referrals, but it continues to provide outstanding educational
programs to help women in their careers and businesses. Learn more:
plans workshop for first-time homebuyers
Homeownership Resource Center, a division of Family Services, will
offer a free workshop for first-time homebuyers on Aug. 29. To take
advantage of a limited-time $8,000 federal tax credit, first-time
buyers must close on a home by Nov. 30, and thats not far
off in terms of all the work that goes into buying a home. The workshop
is designed to help guide potential buyers through what can sometimes
be an intimidating process.
workshop will be held from 10 a.m. to 4 p.m. at the Wachovia Auditorium
in the College of Charlestons Beatty Center, 5 Liberty St.
Lunch will be provided.
Homeownership Resource Center, a counseling agency approved by the
U.S. Department of Housing and Urban Development, will provide experienced
advisers to help workshop attendees understand the key steps in
the homebuying process. Buyers who qualify and purchase a home before
the deadline could receive up to the full $8,000 tax credit, which
does not have to be repaid. The only repayment requirement is if
the homeowner sells the home within three years after the purchase.
To sign up for the workshop, go online to http://www.fsisc.org
or call 735-7862.
County Council OKs
variety of greenbelt projects
County Council recently approved just under $10 million in greenbelt
projects: $9,299,392 for six projects submitted under the countys
Rural Grant Program, and $529,000 for six projects submitted under
the Urban Grant Program. The projects will be funded by the greenbelt
portion of the Transportation Half-Cent Sales Tax revenues.
funds are awarded to eligible entities so they can acquire land
or purchase development rights through a conservation easement.
Funds may also be used to support certain minor improvements that
provide public access and use of conservation lands purchased with
Greenbelt funds, including boardwalks, unpaved roadways, foot bridges,
unpaved small parking areas and unpaved trails.
urban projects that were awarded funding are $163,000 to the town
of James Island for the town to purchase a .30-acre parcel in the
Clearview subdivision to be used as a passive public park, and $366,000
for the city of North Charleston to buy 27.915 acres (five properties)
for community or passive parks in the Park Circle, Chicora/Cherokee,
Filbin Creek and Noisette Creek areas.
are the rural projects that were awarded funding:
Mile Community Association: $220,142 for the fee-simple purchase
of 1.08 acres that the association will use to extend its current
park, which provides a place for outdoor activities.
Island Open Land Trust: $224,000 to place a conservation easement
on 62.48 acres of property that are the center point of Sunnyside
Plantation, with 2,000 feet of water and marsh frontage along
Open Land Trust: $2,505,250 for two projects to place conservation
easements on properties on Slann Island and Johns Island. The
projects will preserve lands used for farming, protect natural
resources and preserve scenic landscapes.
Conservancy: $1,180,000 for the fee-simple purchase of 374 acres
near Awendaw and adjacent to the Francis Marion National Forest.
of Awendaw: $5,170,000 for the fee-simple purchase of 292 acres
to provide outdoor access and recreation.
Ntl. Lighthouse Day
events planned for Sullivans
National Park Service will hold an open house and other programs
at the Sullivans Island Lighthouse on Aug. 8 to mark National
Lighthouse Day. All of the activities are free and open to the public.
open house is planned for 10 a.m. to 2 p.m. on the grounds of the
Coast Guard Historic District site at 1815 I'On Ave. on Sullivans
Island. During the event, the lighthouse grounds, quarters cupola
and boathouse will be open to the public. Because of safety concerns,
only the base of the lighthouse will be open.
Coast Guard representative will give a talk at 11 a.m. about lighthouse
maintenance, and Save the Light, a nonprofit organization dedicated
to preserving the Morris Island Lighthouse near Folly Beach, will
report on the progress of those efforts. Refreshments will be served.
in 1962 as the last lighthouse to be built in the United States,
the Sullivans Island Lighthouse replaced the original Charleston
Harbor light (the Morris Island Lighthouse), which was built in
1876. Plans are in the works to have the lighthouse added to the
National Register. For more information on Lighthouse Day events,
Wine + Food Festival
plans launch party/benefit
newly renamed BB&T Charleston Wine + Food Festival will have
a launch party and benefit on Sept. 3 to announce programming and
kick off ticket sales for the 2010 festival. The party will be held
from 5:30 p.m. to 7:30 p.m. at Founders Hall at Charles Towne Landing,
1500 Old Towne Road, west of the Ashley.
and beverages will be presented by Cabot, Charleston Bay Gourmet,
Cypress, Firefly Distillery, Food for the Southern Soul, Heres
to Beer, High Cotton, Home Team BBQ, JBs Smokeshack, Jim N
Nicks Bar-B-Q, McCradys and Shelton Vineyards. The event
also will include the latest news about next years festival,
including the lineup of chefs and authors, and entertainment by
the Blue Plantation Band.
are $10 per person cash or check at the door, with proceeds benefiting
the festivals charitable efforts. Space is limited, so those
interested in tickets should reserve them by Aug. 31 by e-mailing
this address or calling 727-9998, ext. 4.
festival, formerly the BB&T Charleston Food + Wine Festival,
recently changed its name after a trademark challenge from Food
& Wine magazine.
If you have a review of a book, movie, restaurant or local arts
endeavor, please send no more than 150 words to editor Ann
Thrash. Make sure to include your name and full contact information.
hundred million years ago, during the Carboniferous period, cockroaches
(or palmetto bugs) and their insect relatives (crickets, grasshoppers,
dragonflies, cicadas, and mayflies) made their appearance on earth.
It took another 150 million years, and the development of flowers,
before butterflies, moths, bees, wasps, and true flies appeared.
While thousands of species have become extinct, the cockroach thrives.
It is truly an ancient survivor and is well adapted to its current
staff of CharlestonCurrents.com has elected to NOT display
an image of these nasty critters in this space. We don't like
seeing them in person, much less in a photo.
American cockroach or palmetto bug is the largest of the cockroaches
to infest our homes and is well known by citizens of the South Carolina
coastal plain. The smokey-brown roach is closely related to the
American cockroach, and they are often lumped together by pest-control
specialists as the palmetto bug. They differ from the German cockroach,
another of the cockroach pests, in size and habitat. The palmetto
bug may grow to one and a half inches in length and has reddish-brown
wings. Both males and females have fully developed wings and can
run fast and fly. They live in moist, warm areas and are usually
found in basements, under decks, in ivy outside the home, in mulch,
and in tool sheds and garages. They love city sewer systems. The
palmetto bug survives for a single year, and during that time the
female produces approximately 150 offspring.
German cockroach is smaller, less than an inch in length, and is
light brown with two dark stripes traversing the length of the body.
Like palmetto bugs, they eat food of all kinds. However, they prefer
produce departments in grocery stores and may actually ride home
with you from the market in shopping bags. They tend to hide in
kitchen cabinets and under washing machines and refrigerators, and
they are rarely seen in daylight.
are several myths concerning the origin of the term palmetto
bug. One is that the insect drew its name from its home in
the stubs of palm fronds left on the trunks of palmetto trees. Another
is that proper South Carolinians did not have common cockroaches
in their homes, but rather a more genteel insect they dubbed the
palmetto bug. With the advent of electricity, homeowners
found that with a flick of a switch in the kitchen, they might see
dozens of roaches heading for a hiding place. Rural women sometimes
jokingly referred to the vain attempt to stomp the intruders as
the bug dance. Whether native or immigrant, the palmetto
bug is very much a part of South Carolina, from the mountains to
Excerpted from the entry by David H. Rembert Jr.
read more about this or 2,000 other entries about South Carolina,
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plunge into the world of Twitter? Tina Arnoldi, technology officer
for the Coastal Community Foundation in Charleston, has five tips
that might help novices get the hang of it. She also volunteers
to coach those with questions just tweet her
1)Set up a
user name that makes it clear who you are, but not too long that
it takes up too many characters. Remember: Youre limited
picture, preferably one of yourself to make it personal.
3)If you dont
have a Web site, include a link to your blog, Facebook profile,
etc., so people know where they can learn more about you and/or
your bio so people can easily see what you are about. It can
be a mix of personal and professional information.
5)I think its
a good idea to send out a few tweets before following. This
lets people get a feel for who you are before they follow you back.
sneaks up on you like a windshield on a bug.
John Lithgow, American actor (1945-)
Inc." Showing: 7:15 p.m. Aug. 3, Terrace Theater,
Maybank Highway, James Island. Lowcountry Local First and Slow Food
Charleston, groups that promote the benefits of local, sustainable
food, will host a showing of the movie "Food, Inc.," a
documentary that looks at surprising information about what we eat,
how it's produced and how that affects us as a nation. After the
movie (about 9 p.m.), there will be a panel discussion featuring
local farmers and producers. Regular Terrace ticket prices apply.
More info: 762-4247, Lowcountry
Local First or Slow
Choir Auditions: 5:30 p.m. Aug. 4, Citadel Square Baptist
Church Fellowship Hall, 342 Meeting St. Charleston Symphony Orchestra
Gospel Choir will hold voice-assessment auditions for new volunteer
members; singers whose voices are in the lower ranges (tenor and
bass) are especially needed. Candidates should come prepared to
sing a solo of their own choosing and also to vocalize in a choral
Mistakes: 11:45 a.m. to 1:15 p.m. Aug. 5, Charleston
County Library Main Branch, 68 Calhoun St., downtown. Five
Marketing Mistakes That Will Kill Your Business is a free
workshop led by marketing pro Chris Cooper to help businesses and
nonprofits extend their brands and reach their goals. Bring a brown-bag
lunch. More info: 805-6930.
Fridays on Gallery Row: 5 p.m. to 8 p.m. Aug. 7, Broad
Street. The Broad Street Merchants Association sponsors this free
event, which includes fine art and refreshments in the boutiques,
art galleries and bodegas on Gallery Row. Participating merchants
include Ellis-Nicholson Gallery, Hamlet Fine Art, Edward Dare Gallery,
COCO VIVO, Mary Martin Fine Art, UTOPIA, Atmah Jas, Spencer
Galleries, Ella Walton Richardson Fine Art, Martin Gallery, SCOOP
Studios, Jakes, Blind Tiger and Oak Steak House. More info:
722-1944, by email here,
Skin Cancer Screening: 10 a.m. to 2 p.m. Aug. 8, Splash
Zone Waterpark at James Island County Park, Riverland Drive, Charleston.
The Charleston County Park and Recreation Commission and dermatologists
from the MUSC Mobile Health Unit (a fully equipped doctor's office
on wheels) will offer a free skin cancer screenings. More skin cancer
info: MUSC Health Connection, 792-1414.
Ensemble Auditions: 10 a.m. and 11 a.m. Aug. 8, Citadel
Square Baptist Church Fellowship Hall, 342 Meeting St. Charleston
Symphony Orchestra's Spiritual Ensemble will hold voice-assessment
auditions for new volunteer members; singers whose voices are in
the lower ranges (tenor and bass) are especially needed. More
on the Cooper: 7:30 p.m. to 11 p.m. Aug. 8, Mount Pleasant
Pier at Memorial Park, foot of the Ravenel Bridge in Mount Pleasant.
Shag under the stars at the new pier. Music starts at 8:30 p.m.,
provided by The Coppertones (a formally dressed six-piece ensemble
party band that plays classic R&B and beach music). Beverages
available for purchase on-site. Tickets: $8; only 800 tickets will
be sold and must be purchased at the event (no advance sales). Tickets
available in gift shop at pier beginning at 3 p.m. the day of the
event. More info: 795-4386.
the Bite Out of Sharks: Through Aug. 8, South Carolina Aquarium,
100 Aquarium Wharf, downtown. A weeklong celebration of all
things more dangerous than sharks during the Discovery
Channels Shark Week. Enter the aquarium through the mouth
of a great white shark, then explore the facts about sharks through
special displays and activities. Visitors can earn an O-fishal
Investigator certificate in a Mythbusters Mystery Hunt, enjoy
a shark-themed dive show, adopt a sand tiger shark and
more. More info: online
here or 577-FISH (3474).
Tryal of Major Stede Bonnet": 4:30 p.m. Saturdays through
Sept. 26, Old Powder Magazine, 79 Cumberland St., downtown.
A one-of-a-kind interactive theatrical event that brings to life
the story of "gentleman pirate" Stede Bonnet, who plied
his trade in the waters off Charleston in the early 1700s. The 40-minute
show was written and is performed by Rodney Lee Rogers of PURE Theatre.
Cost: $8 and $12. Tickets/info: 534-6169 or online
ONGOING AND SOON
Education Open House: 4 p.m. to 7 p.m. Aug. 11, Continuing
Education Center (Building 910), Trident Technical College Main
Campus, 2001 Mabeline Road, North Charleston. The event is designed
to familiarize participants with TTC continuing-education courses
and they can provide training for a new career or personal enrichment.
Talk with course instructors, tour the facilities, register for
fall classes, learn about financial options, and enjoy refreshments
and prizes. More info: 574-6111.
Rucker Homegrown Concert: 7 p.m. Aug. 13, Family Circle
Tennis Center, Daniel Island. Rucker will offer a special concert
to help bring in donations of school supplies for needy local students.
Country music star Dierks Bentley will be among the special guests.
Fans are urged to bring school supplies to the concert to donate.
Tickets: $40 for floor or first-tier reserved seats; $32 for reserved
second-tier seats; $25 general admission third-tier seats. To purchase:
Ticketmaster Charge-By-Phone (1-800-745-3000), local Publix outlets,
Family Circle Tennis Center ticket office, or online
7:30 a.m. to 9 a.m. Aug. 17, Daniel Island Club, Daniel Island.
U.S. Sen. Jim DeMint, R-S.C., will speak at a meeting of the Daniel
Island Neighborhood Association that is open to the public. Topics
will include economic development and jobs in South Carolina, as
well an update on whats going on in Washington. Cost: $12.50
(to cover breakfast). RSVP by Aug. 10 to Stacey
Seining at Sullivan's: 5 p.m. to 6:30 p.m. Aug. 28, Station
30, Sullivan's Island. The Station 30 area on Sullivan's Island
area has been a seining hotspot for generations. Join the experts
from Charleston County Park and Recreation Commission to catch and
discover a variety of marine critters at the first CCPRC seining
program on Sullivan's Island. A registered and paid chaperone is
required for participants ages 15 and under, and pre-registration
is required. Open to ages 6 and up. Cost: $7 Charleston County residents,
$9 nonresidents. Registration/more
info, or 795-4FUN.
In this section,
we offer a list of good reads that you might want to consider reading:
Short History of a Small Place, T.R. Pearson
Book of Marie, Terry Kay
Jazz, Jack McCray
Be Sober in the Morning: Great Comebacks, Putdowns, and Ripostes,
Chris Lamb (List)
Speaking: An Oral Biography of Harry S. Truman, Merle Miller
a book to us
Women at Gibbes
new food show
on car tags
way of tithing?
place for prejudice
fun at Halloween
to old clunker
to squeeze in
lists of year