Insurance agent Ross Turner can tell you stories about uninsured motorists. "If you go through uninsured claims, it is a pain," he told News Channel 7.

According to the state, one in every four cars in South Carolina is not insured. That 25% rate is five times that of North Carolina's 5% uninsured rate. "There's no doubt it costs us a ton of money," Turner said.

On average, the state says we pay $100 more for our auto insurance that North Carolinians. The difference is to carry the uninsured or underinsured coverage. Something South Carolina hopes to reduce. Agents aren't as optimistic. "The uninsured motorist premium is up there, but I don't think it is going to reduce it. But maybe it will keep it from getting worse," Turner said.

Here's how the new law works. If you have insurance, even if your policy is cancelled midterm, the DMV will automatically suspend your license. The agency is now constantly in touch with insurance companies through computer networks. "They're online with the state, and a notice goes out," Turner explained.

That letter will mean you have twenty days to get a new policy to the DMV before your license is gone.