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South Carolina Personal Injury Laws

South Carolina follows a modified comparative fault system with a 51% bar — adopted judicially in 1991. The general statute of limitations for personal injury is 3 years. South Carolina has no caps on compensatory damages but caps punitive damages at the greater of 3 times compensatory or $500,000. The state is fault-based for auto insurance with 25/50/25 minimums. South Carolina has NO statute of limitations for any criminal offense.

Last verified: 2026-02-25

Statute of Limitations

Personal injury actions must be filed within 3 years of the date of injury.

Exceptions

Discovery Rule3 years from discoveryS.C. Code Ann. § 15-3-535

When an injury could not reasonably have been discovered, the 3-year period begins from the date of discovery.

Wrongful Death3 years from date of deathS.C. Code Ann. § 15-3-530(6)

Wrongful death actions must be filed within 3 years of the date of death.

MinorsTolled until age 18S.C. Code Ann. § 15-3-40

The statute is tolled for minors until they reach age 18.

Government Claims (SC Tort Claims Act)2 years (extendable to 3 with verified claim within 1 year)S.C. Code Ann. § 15-78-110

Claims against the government must be filed within 2 years. Government liability is capped at $300,000 per claimant / $600,000 per occurrence. No punitive damages against government entities. Government physician malpractice: $1,200,000 cap.

Fault & Liability Rules

Modified Comparative Fault (51% Bar)Nelson v. Concrete Supply Co., 303 S.C. 243 (1991)

South Carolina follows a modified comparative fault system adopted judicially in 1991. A plaintiff can recover if 50% or less at fault (reduced by their percentage). At 51% or more at fault, the plaintiff is completely barred.

Damage Caps

Compensatory Damages: No cap

South Carolina does not cap compensatory damages in general personal injury cases.

Punitive Damages: Greater of 3x compensatory or $500,000S.C. Code Ann. § 15-32-530(A)

Standard cap: greater of 3x compensatory or $500,000. Enhanced (unreasonable financial gain or felony conduct): greater of 4x compensatory or $2,000,000. Intent to harm: no cap. Clear and convincing evidence required.

Auto Insurance System

South Carolina is a fault-based state. Minimum liability limits are 25/50/25. Uninsured motorist (UM) coverage is required at the same 25/50/25 minimums with a $200 deductible. Underinsured motorist (UIM) coverage is optional but must be offered.

Key South Carolina Statutes

Joint and Several Liability (Reformed)S.C. Code Ann. § 15-38-15

Reformed in 2005. A defendant under 50% fault pays only their proportionate share. Joint and several liability applies only to defendants at 50% or more fault. Exceptions: willful/wanton/gross negligence and alcohol/drug-related injuries.

Official Sources

Not Legal Advice

This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at South Carolina Code of Laws. For advice about your specific situation, consult a licensed attorney.

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