SC · Accidents & Injuries

Accidents & Injuries in South Carolina

By CanISueForThis Editorial Team Reviewed by Editorial Team Updated March 21, 2026

Key South Carolina Law

South Carolina Code Section 15-3-530

South Carolina imposes a three-year statute of limitations for personal injury claims. An injured party must generally file their lawsuit within three years of the date of the accident or injury.

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Procedural Details in South Carolina

South Carolina follows modified comparative fault with a 51% bar under South Carolina Code Section 15-38-15. A plaintiff who is 51% or more at fault is barred from recovery. South Carolina is a traditional tort (fault-based) auto insurance state. South Carolina does not impose a general cap on compensatory damages in most personal injury cases. Government claims under the South Carolina Tort Claims Act (SC Code 15-78-100 et seq.) require filing within two years. The SCTCA also caps recovery against government entities. South Carolina allows joint and several liability in certain circumstances.

South Carolina Agencies & Resources

South Carolina Department of Insurance

Regulates insurance companies in South Carolina and handles consumer complaints about auto accident coverage.

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South Carolina Department of Motor Vehicles

Manages South Carolina driver licensing, vehicle registration, and accident report records.

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South Carolina Bar — Lawyer Referral Service

Provides referrals to South Carolina-licensed personal injury attorneys.

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Frequently Asked Questions

How long do I have to file a personal injury lawsuit in South Carolina?

South Carolina Code Section 15-3-530 provides a three-year statute of limitations for personal injury claims. Government entity claims under the South Carolina Tort Claims Act must be filed within two years. Missing the government deadline may bar your claim. Consulting a South Carolina attorney promptly after any accident is advisable.

What is South Carolina's 51% modified comparative fault rule?

Under South Carolina Code Section 15-38-15, if you are 50% or less at fault, you can recover damages proportionally reduced. If you are found 51% or more at fault, you are completely barred from recovering any compensation from the other party.

Is South Carolina a no-fault auto insurance state?

No. South Carolina is a traditional tort (fault-based) state. The at-fault driver's liability insurance is responsible for compensating injured parties. South Carolina does not require mandatory personal injury protection (PIP) coverage, though uninsured motorist coverage is required.

Are there damage caps in South Carolina accident cases?

South Carolina does not impose a general cap on compensatory damages in most personal injury accident cases. However, the South Carolina Tort Claims Act caps recovery against government entities. Claims against state agencies are subject to a $300,000 single-claimant cap under SC Code 15-78-120. Punitive damages are available but subject to review.

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By CanISueForThis Editorial Team Reviewed by Editorial Team Updated March 21, 2026