South Carolina car accident leads
Summit Leads supplies car accident leads in South Carolina and the rest of the U.S. by real-time ping/post, exclusive by default, with ZIP code filters. South Carolina claims run on tort liability, injured people have three years to sue under S.C. Code 15-3-530 (2026), and every policy carries uninsured motorist coverage.
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South Carolina facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | Tort liability: bodily injury liability, property damage liability and uninsured motorist coverage (SC Department of Insurance, as of 2026)Automobile Insurance South Carolina Department of Insurance |
| Minimum liability limits | $25,000 per person and $50,000 per accident for bodily injury; $25,000 property damage (S.C. Code 38-77-140(A), 2026)S.C. Code 38-77-140 and 38-77-150, Required liability and uninsured motorist coverage South Carolina Legislature |
| Uninsured motorist coverage | Required, at limits no less than the 38-77-140 minimums; property damage of no less than $25,000, with a possible $200 deductible (S.C. Code 38-77-150, 2026)S.C. Code 38-77-140 and 38-77-150, Required liability and uninsured motorist coverage South Carolina Legislature |
| Personal injury statute of limitations | Three years for any injury to the person not arising on contract (S.C. Code 15-3-530(5), 2026)S.C. Code 15-3-530, Three years South Carolina Legislature |
| Fault allocation at trial | In actions the section covers, the jury determines the plaintiff's percentage of fault under comparative negligence rules (S.C. Code 15-38-15(C)(2), effective January 1, 2026)S.C. Code 15-38-15, Joint and several liability (as amended by 2025 Act No. 42, effective January 1, 2026) South Carolina Legislature |
| Joint and several liability | Does not apply to a defendant less than fifty percent at fault (S.C. Code 15-38-15(A), 2025 Act No. 42, effective January 1, 2026)S.C. Code 15-38-15, Joint and several liability (as amended by 2025 Act No. 42, effective January 1, 2026) South Carolina Legislature |
| Traffic fatalities | 1,047 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
South Carolina tort liability and the coverage behind each claim
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
South Carolina runs crash claims through tort liability. The Department of Insurance automobile insurance page (2026) describes a policy built "under South Carolina Tort law" from three major parts: bodily injury liability, property damage liability, and uninsured or underinsured motorist coverage. The department says drivers must carry liability and uninsured motorist coverage to drive legally.
Uninsured motorist coverage is mandatory, not an add-on. S.C. Code 38-77-150 (2026) requires every auto policy to include an uninsured motorist provision with limits no less than the section 38-77-140 minimums, and property damage coverage of no less than $25,000, which may carry a $200 deductible. A claimant hit by an uninsured driver still has a policy to claim against, so buyers often record whether the other driver had insurance.
Three years to file, and a 2026 change to how fault is split
The filing deadline comes from the general limitations chapter. S.C. Code 15-3-530(5) (2026) gives three years for "any injury to the person or rights of another, not arising on contract" and not otherwise listed.
Fault allocation changed on January 1, 2026. Under the version of S.C. Code 15-38-15 enacted by 2025 Act No. 42 (effective 2026), in the actions that section covers, the jury determines the plaintiff's percentage of fault "under applicable rules concerning comparative negligence," and joint and several liability does not apply to a defendant whose conduct is less than fifty percent of the total fault, measured against all defendants and tortfeasors plus the plaintiff's own comparative negligence.
For a buyer, accident date answers how much of the three-year window is left, and the fault questions (citations, point of impact, statements at the scene) feed the percentage a jury would assign. Both become filters.
South Carolina's 25/50/25 minimums
S.C. Code 38-77-140(A) (2026) requires liability coverage of at least $25,000 for bodily injury to one person in any one accident, $50,000 for bodily injury to two or more persons in any one accident, and $25,000 for damage to the property of others. The history notes say the current amounts apply to policies issued or renewed on or after January 1, 2007.
Traffic fatalities in South Carolina
South Carolina recorded 1,047 traffic deaths in 2023 in the NHTSA FARS state table (2023 data). FARS tracks fatal crashes only, so the number says nothing directly about injury crashes, which are where most car accident leads start.
What buyers in South Carolina filter on
South Carolina buyers usually work from this short list of fields:
- Accident date: places the claim in the three-year window and shows how many days have passed since the crash.
- Fault answers: feed the percentage of fault a jury would assign under section 15-38-15.
- Other driver's insurance: whether the claim runs against liability coverage or the claimant's uninsured motorist coverage.
- Injury and treatment: injury type, first treatment and ongoing care.
- Representation status: claimants who already have a lawyer are filtered out.
- ZIP code: buyers pick the ZIP codes their firms serve.
Where buyers filter in South Carolina
A South Carolina campaign can follow county lines, a single metro or the whole state. The six largest metropolitan areas with South Carolina counties, by the Census Bureau's July 1, 2025 estimates, are shown below, and ZIP code filters let a buyer add or drop any part of each.
- Greenville-Anderson-Greer: 1,014,101 (July 1, 2025 estimate)
- Charleston-North Charleston: 889,263 (July 1, 2025 estimate)
- Columbia: 879,918 (July 1, 2025 estimate)
- Charlotte-Concord-Gastonia, NC-SC: 2,938,830 (July 1, 2025 estimate, whole metro area)
- Myrtle Beach-Conway-North Myrtle Beach: 427,551 (July 1, 2025 estimate)
- Spartanburg: 407,656 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for South Carolina car accident leads
South Carolina car accident leads carry the TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record captured at opt-in. Check the South Carolina entry in the state telemarketing laws table before calling, and see leads in South Carolina for the combined MVA and home improvement page.
South Carolina car accident lead questions
Is uninsured motorist coverage required in South Carolina?
Yes. S.C. Code 38-77-150 (2026) requires an uninsured motorist provision in every auto policy, with limits no less than the section 38-77-140 minimums of $25,000 per person, $50,000 per accident and $25,000 property damage.
What changed in South Carolina fault law on January 1, 2026?
2025 Act No. 42 rewrote S.C. Code 15-38-15. Joint and several liability does not apply to a defendant found less than fifty percent at fault, compared with all defendants, tortfeasors and the plaintiff, under the 2026 text of section 15-38-15. This is general information, not legal advice.
Can South Carolina car accident leads be bought for Greenville and Spartanburg only?
Yes. Buyers choose coverage ZIP code by ZIP code, so a campaign can cover Greenville and Spartanburg and nothing else. Leads are exclusive by default, with shared delivery on request.
Request South Carolina car accident leads
Email us the South Carolina ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
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