MVA and home improvement leads in South Carolina
South Carolina had 5,570,274 residents in the Census Bureau estimate for July 1, 2025. Crash claims run through tort liability, injured people have three years to sue, and a claimant can recover as long as their negligence is not greater than the defendant's. Half of the state's housing units were built in 1992 or later, and 71.9% of homes are owner-occupied.
Summit Leads supplies home improvement and MVA leads in all U.S. states, including South Carolina. Buyers set filters down to the ZIP code. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request South Carolina lead supplySouth Carolina MVA leads: tort liability and three years to file
The South Carolina Department of Insurance describes auto policies as having three major parts "under South Carolina Tort law": bodily injury liability, property damage liability, and uninsured or underinsured motorist coverage. Bodily injury liability protects the policyholder against claims from people injured in an accident for which the policyholder was at fault, and drivers must carry both liability and uninsured motorist coverage. The injured person claims against the at-fault driver; no no-fault threshold applies.
Timing comes from S.C. Code 15-3-530, which sets three years for "any injury to the person or rights of another, not arising on contract." Firms want enough of that window left to collect the police report and medical records, so South Carolina campaigns usually set a maximum accident age well inside it.
South Carolina adopted comparative negligence by court decision. In Nelson v. Concrete Supply Co. (1991), the state Supreme Court held that a plaintiff "may recover damages if his or her negligence is not greater than that of the defendant," with damages reduced by the plaintiff's share. A claimant found equally at fault can still recover half; a claimant mostly at fault recovers nothing. Liability fields on the lead (citations, rear-end or not, statements at the scene) let each law firm client apply its own standard.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages.
South Carolina home improvement leads: 71.9 percent owners and 1992 housing
The Census Bureau puts the South Carolina owner-occupied housing unit rate at 71.9% for 2020-2024, so roughly seven in ten households own their home. Homeowner confirmation remains the first filter on every campaign.
The median year structure built for South Carolina housing units is 1992 in the ACS 5-year estimates for 2020-2024, so half of the housing stock is from 1992 or later. Buyers tend to filter by project type first (roofing, flooring, bathroom renovation, siding and gutters, windows) and then by the ZIP codes their contractor clients work in.
The South Carolina Residential Builders Commission, part of the Department of Labor, Licensing and Regulation, licenses residential builders and registers residential specialty contractors under Title 40, Chapter 59 of the S.C. Code. Specialty registration applies to residential work in a specialized trade above a project-size threshold set in the regulations, and it covers no more than three trade classifications; a contractor who needs more must hold a residential builder license. For sales made at the home, S.C. Code 37-2-502 lets the buyer in a home solicitation sale (a consumer credit sale solicited and agreed at a residence) cancel until midnight of the third business day after signing, and the federal FTC Cooling-Off Rule (16 CFR Part 429) gives three business days for other covered sales.
Project types and filters are listed on the home improvement leads and roofing leads pages.
Consent records for South Carolina leads
Each lead carries its TCPA consent record (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
South Carolina leads are delivered with a consent record captured to the federal TCPA standard: opt-in wording, timestamp, IP address and page URL. The record goes along with the lead, so the law firm or contractor that follows up has proof of consent in hand.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
South Carolina facts for lead buyers
| Fact | Value | Source |
|---|---|---|
| Auto insurance system | Fault-based (tort); liability and uninsured motorist coverage required | Automobile InsuranceSouth Carolina Department of Insurance |
| Personal injury statute of limitations | Three years (S.C. Code 15-3-530(5)) | S.C. Code 15-3-530, Three yearsSouth Carolina Legislature |
| Comparative fault rule | Modified: recovery if the plaintiff's negligence is not greater than the defendant's (Nelson v. Concrete Supply Co., 1991) | Nelson v. Concrete Supply Co., 303 S.C. 243 (1991)Justia |
| Contractor licensing | Residential Builders Commission licenses residential builders and registers specialty contractors above a project-size threshold (S.C. Code Title 40, Ch. 59) | Residential Specialty Contractor RegistrationSouth Carolina Residential Builders Commission (LLR) |
| Home solicitation cancellation | Consumer credit sales solicited at a residence: midnight of the third business day after signing (S.C. Code 37-2-502); FTC rule: three business days | S.C. Code 37-2-501 and 37-2-502, Home solicitation salesSouth Carolina Legislature |
| Population | 5,570,274 (July 1, 2025, Vintage 2025 estimate) | QuickFacts: South CarolinaU.S. Census Bureau |
| Owner-occupied housing unit rate | 71.9% (ACS 2020-2024) | QuickFacts: South CarolinaU.S. Census Bureau |
| Median year structure built | 1992 (ACS 5-year 2020-2024) | Table B25035, Median Year Structure Built: South Carolina (ACS 5-Year 2020-2024)U.S. Census Bureau |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
South Carolina lead buying questions
Is South Carolina a no-fault state?
No. The Department of Insurance describes auto coverage under South Carolina tort law: bodily injury liability pays claims from people injured in an accident the policyholder caused, and drivers must carry liability and uninsured motorist coverage.
How long does a South Carolina accident victim have to sue?
Three years under S.C. Code 15-3-530 for injury to the person not arising on contract. Buyers set their accident age limit well inside that window.
Can a partly at-fault claimant recover in South Carolina?
Yes, if their negligence is not greater than the defendant's, under Nelson v. Concrete Supply Co. (1991). Damages are reduced by the claimant's share, and a claimant more than half at fault recovers nothing.
Who licenses home improvement contractors in South Carolina?
The South Carolina Residential Builders Commission. It licenses residential builders and registers residential specialty contractors whose jobs exceed a project-size threshold set in the regulations.
How old is South Carolina housing?
The median year structure built is 1992 in the ACS 5-year estimates for 2020-2024, so half of South Carolina housing units were built in 1992 or later.
Can we buy South Carolina leads by ZIP code?
Yes. Summit Leads supplies home improvement and MVA leads in all U.S. states, including South Carolina, and buyers choose the states or ZIP codes they buy in.
Request South Carolina lead supply
Tell us the verticals you buy in South Carolina, the ZIP codes you cover, your daily volume and how you take delivery. Return terms are discussed on the onboarding call and agreed before going 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.
- 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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