State Laws › Southeast & South Atlantic › South Carolina
South Carolina · State Law Library Hub
South Carolina Auto Insurance & Crash Law Library
A public legal education and research library for South Carolina auto insurance, crash claims, coverage, fault, damages, deadlines and settlement.
South Carolina State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category. Legal-currentness and source-integrity review remain separate from this layout normalization; verify current primary authority and the actual policy before relying on a summary.
Getting Started in South Carolina
Build the coverage and claim map before making a final claim decision.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Fault rules, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, medical benefits, liens, reimbursement and settlement.
Case Authority
South Carolina statutes and appellate authority organized by issue.
Guide 01 · South Carolina Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Identify the parties, every potentially applicable policy, insured status, vehicle use, government involvement, fault evidence, damages, insurer communications, medical-payment or reimbursement interests, deadlines and release consequences.
Start with Guide 03, then use Guide 05 and the related coverage guides to collect declarations, endorsements, elections and insured-status information.
Identify each potentially responsible person or entity, including work, commercial, rideshare or government involvement, and read the state-specific liability and vehicle-use guides before assuming ordinary private-party rules apply.
Use Guide 18 for crash evidence, preservation and limitation issues. Keep reports, photographs, video, vehicle data, medical chronology, insurer communications and a separate deadline calendar.
Read Guide 22, the case-authority library and official sources. Identify remaining coverage, liens or reimbursement demands and released parties before a final settlement decision.
South Carolina Published-Law Snapshot
Issues identified in the existing South Carolina library
25 / 50 / 25
South Carolina requires at least $25,000 per person, $50,000 per accident bodily injury and $25,000 property damage.
Modified comparative negligence
South Carolina uses modified comparative negligence; fault allocation must be analyzed before settlement.
UM required; UIM offered
Uninsured motorist coverage is required, while underinsured motorist coverage is governed by separate offer and policy rules.
Currentness status: these points are carried forward from the existing South Carolina hub. This layout update does not by itself certify legal currentness.
Primary Research
Official South Carolina research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
South Carolina Legislature
Open source →South Carolina Department of Insurance
Open source →South Carolina Judicial Branch
Open source →South Carolina DMV
Open source →How this library stays current
Build the complete South Carolina coverage and claim map
Use the topic title to identify the research question, then verify current primary authority, effective dates, policy language and the factual record before relying on the guide.
Build the complete South Carolina claim map before closing the file.
Find every policy, identify the responsible parties, preserve the evidence and deadlines, and review damages, reimbursement and release consequences before treating the claim as complete.