South Carolina is an at-fault state. That means the driver’s fault determines who pays for the damage. In no-fault states, each driver’s car insurance pays for their own medical expenses no matter who caused the crash. They usually carry personal injury protection (PIP).
In at-fault states like South Carolina:
- The at-fault driver (or their insurer) is responsible for paying for injuries and losses.
- Fault must be clearly shown before a payout happens.
- Victims can sue the other party directly.
Knowing the difference matters when dealing with insurance claims.
