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
When an injury could not reasonably have been discovered, the 3-year period begins from the date of discovery.
Wrongful death actions must be filed within 3 years of the date of death.
The statute is tolled for minors until they reach age 18.
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
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
South Carolina does not cap compensatory damages in general personal injury cases.
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
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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