Day 14: How South Carolina Laws Impact Personal Injury Settlements

Personal injury settlements in South Carolina are influenced by a variety of state-specific laws and regulations. Understanding these laws can help you navigate the legal landscape and maximize your chances of receiving fair compensation. Here’s a detailed look at how South Carolina laws impact personal injury settlements, particularly for residents of Orangeburg, SC.

Statute of Limitations

The statute of limitations is a critical law that affects personal injury settlements. In South Carolina, you have three years from the date of the injury to file a lawsuit (for suing government entities you have two years under the SC Tort Claims Act). If notice of the injury is after the date an injury was caused, such as a medical malpractice matter you discover after the malpractice, the clock starts after notice (or constructive notice). If you fail to file within this timeframe, you will likely lose your right to seek compensation. This law emphasizes the importance of acting promptly after an injury.

Comparative Negligence Rule

South Carolina follows a modified comparative negligence rule, which affects how settlements are calculated. Under this rule, you can recover damages as long as you are not more than 50% at fault for the accident. However, your compensation will be reduced by your percentage of fault. For example, if you are 20% at fault and awarded $100,000, your compensation will be reduced to $80,000.

Caps on Damages

South Carolina law imposes caps on certain types of damages in personal injury cases in which a government entity causes harm under the South Carolina Tort Claims Act, with unique nuances for medical malpractice claims. Damages are capped at $350,000 per defendant and $1.05 million in total for all defendants in medical malpractice cases. Knowing these caps can help set realistic expectations for your settlement.

Joint and Several Liability

South Carolina’s joint and several liability law can impact the distribution of damages among multiple defendants. Under this law, if multiple parties are responsible for your injury, each party can be held liable for the entire amount of the damages. However, if a defendant is found to be less than 50% at fault, they are only responsible for their proportionate share of the damages. This is important for personal injury cases involving multiple parties.

Insurance Requirements

State insurance laws also influence personal injury settlements. South Carolina requires drivers to carry minimum liability insurance coverage of $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. These limits can affect the amount of compensation available in car accident cases. Additionally, South Carolina drivers must carry uninsured motorist coverage, which can provide compensation if the at-fault driver is uninsured.

Workers’ Compensation

For workplace injuries, South Carolina’s workers’ compensation laws provide specific benefits and procedures. Workers’ compensation is a no-fault system, meaning you can receive benefits regardless of who was at fault for the injury. However, accepting workers’ compensation benefits typically means you cannot sue your employer, but you may still have the option to file a personal injury lawsuit against third parties.

Settlement Negotiations and Mediation

South Carolina encourages settlement negotiations and mediation to resolve personal injury disputes without going to trial. Mediation is a voluntary process where a neutral third party helps both sides reach a mutually acceptable agreement. Courts in SC require an attempted mediation before the case can go to trial. Understanding the role of mediation and being prepared for negotiations can significantly impact your settlement outcome.

The Role of Precedent

South Carolina personal injury settlements are also influenced by legal precedents set by previous court rulings. Attorneys often refer to similar cases to predict potential outcomes and advise their clients on fair settlement amounts. Familiarity with relevant case law can provide valuable insights into how courts might view your claim.

Legal Representation

Having experienced legal representation is crucial in navigating South Carolina’s personal injury laws. A knowledgeable attorney can help you understand your rights, gather necessary evidence, negotiate with insurance companies, and ensure that all legal procedures are followed correctly.


South Carolina laws significantly impact personal injury settlements, from the statute of limitations and comparative negligence rules to damage caps and insurance requirements. Understanding these laws and working with an experienced personal injury attorney can help you navigate the legal process and maximize your chances of receiving fair compensation. If you’ve been injured and need assistance with your personal injury claim in Orangeburg, SC, contact The Bill Connor Law Firm for expert legal guidance and representation.