A golf cart accident can leave you facing serious injuries, extensive losses, and a complicated claims process. Insurers often look for ways to reduce or deny claims by arguing that you violated South Carolina golf cart laws or contributed to the accident.
Under South Carolina’s modified comparative negligence rule, you cannot recover compensation if you are found 51% or more at fault, and any lesser share of fault reduces your recovery. Insurers may also attempt to shift blame to other parties to limit their financial responsibility under South Carolina’s liability laws.
Auger & Auger Accident and Injury Lawyers has been holding insurers accountable since 1995, pushing back against blame-shifting tactics and pursuing claims against all liable parties. Our golf cart accident lawyers in North Myrtle Beach identify every possible source of compensation, pursuing stacked insurance policies where applicable.
Our North Myrtle Beach personal injury lawyers handle every aspect of the process, from investigating the accident to negotiating with insurers. Plus, with our A&A Zero Fee Guarantee™, you don’t pay anything unless we recover compensation for you. Contact us today to get started.
Why Choose Our North Myrtle Beach Attorneys to Handle Your Golf Cart Accident Case
Insurance companies are quick to use South Carolina’s modified comparative negligence rule against victims, finding ways to assign 51% or more of the blame to avoid paying. They’ll also use blame-shifting tactics to minimize payouts, pointing to other parties, road conditions, or even alleged permit or registration issues.
Protecting your claim in the face of these obstacles requires legal skill, strategic planning, and the ability to stay ahead of insurer strategies. Since 1995, we’ve represented injury victims across South Carolina, recovering over $100 million for our clients with a 99.5% success rate in cases we’ve taken on.
Our process is built to protect you from the risks insurers rely on to deny or reduce compensation. Our North Myrtle Beach golf cart attorneys:
- Prove your compliance with golf cart laws: We gather evidence to show you met South Carolina’s golf cart requirements, such as having a valid driver’s license, permit, registration, and insurance.
- Protect you from blame-shifting: We stop insurers from unfairly assigning fault to you or pointing fingers at others to minimize what they owe.
- Pursue all available compensation: If multiple insurance policies apply, we identify and pursue all available coverage, including stacked policies, to ensure you receive the compensation you need.
- Handle all communication: Our team takes on the insurers directly, managing negotiations and challenging delays, so no misstatements or stalling tactics endanger your claim.
Don’t let insurers control what happens in your case. Let us take on the full burden of your case, keeping you informed at every step and answering your questions directly without any runaround.
How Insurers Attempt to Deny or Undervalue Golf Cart Accident Claims
In golf cart accident cases, insurance companies often rely on legal strategies to protect their bottom line at your expense. Effective January 1, 2026, the South Carolina Tort Reform and Liquor Liability Act (Act 42) gives insurers additional tools to limit their financial responsibility. Under this law, a party that is less than 50% at fault is only required to pay their proportional share of damages.
However, those 50% or more at fault may be required to cover the full amount of damages under joint and several liability rules. Because of these updated guidelines, insurers use the following tactics to shift liability and reduce their payouts:
- Disputing fault to keep their share below 50%: Insurers attempt to deflect blame away from their client, arguing that others are more responsible for the accident. This helps them stay under the 50% fault threshold and minimizes the amount they are required to pay.
- Blaming you for contributing to the crash: Insurers will claim you acted negligently to increase your percentage of fault and reduce their financial obligation or eliminate it.
- Pointing to other parties or factors: Even when another party isn’t named in your lawsuit, insurers may argue that an unknown driver, pedestrian, or unsafe road conditions played a larger role in the accident. By dividing liability among multiple sources, they further reduce how much they must pay.
These strategies work against victims by lowering compensation or denying claims entirely, even when the insurer’s policyholder bears clear responsibility. Our North Myrtle Beach golf cart collision lawyers document compliance with South Carolina’s golf cart permit laws to eliminate baseless arguments about your responsibility.
How Insurers Use South Carolina Golf Cart Laws Against You
Insurance companies will try to use South Carolina Code of Laws Section 56-2-90 to dispute liability and avoid paying a claim by:
- Questioning compliance with permits and registration: Insurers may argue that you didn’t meet legal requirements, such as obtaining a valid permit decal, carrying proof of liability insurance, or keeping your registration updated. Any small technicality can be used to challenge your claim.
- Blaming you for operating outside legal boundaries: South Carolina limits golf cart operation to daylight hours, within four miles of your address, and on roads with a speed limit of 35 mph or less. Insurers often claim you violated these restrictions, even if the allegations are false, to shift the blame onto you and reduce their payout.
- Pointing to driver misconduct: Insurers may claim you were driving the golf cart without the required documentation, such as your license, proof of insurance, and registration, or that you acted negligently, such as by failing to follow local ordinances or operating the cart unsafely.
We respond to these arguments by verifying your permit and insurance coverage and showing you operated within the allowable limit so that insurers can’t unfairly use these laws to deny your rightful compensation.
Our North Myrtle Beach Golf Cart Accident Lawyers are Ready to Represent You
After suffering injuries, you shouldn’t have to fight insurers who will attempt to use South Carolina’s laws to deny your claim. Let us take that burden off your shoulders. We handle every part of the process, from building your claim to negotiating with insurers, so that you can pursue meaningful financial recovery.
With the A&A Zero Fee Guarantee™, you won’t pay anything unless we win your case. Contact us today for a free consultation, and let us protect your rights and fight for the compensation you need.
