After a golf cart accident, you are likely facing severe injuries that require ongoing medical treatment and time away from work. Because golf carts operate under unique laws and on both public roads and private property, insurers will dispute fault and reduce payouts.
South Carolina’s “modified comparative negligence” rule gives them more ammunition to argue that you share responsibility for the accident. Under this rule, if you’re found to be 51% or more at fault, you lose your right to recover compensation entirely. Even being assigned a small amount of fault, such as 10% or 20%, directly reduces your financial recovery, and insurers will exploit every opportunity to push the blame onto you.
Auger & Auger Accident and Injury Lawyers has been helping injury victims fight back against insurers’ attempts to delay or deny compensation since 1995, and our golf cart accident lawyers in Pawleys Island know how to counter the insurer strategies designed to protect their interests.
Our Pawleys Island personal injury lawyer conduct thorough investigations to gather evidence that the golf cart was operating within legal limits and identify the true cause of the accident. Under our A&A Zero Fee Guarantee™, you pay nothing up front and no attorney fees unless we win. Call us now for a free consultation.
Why Choose Our Pawleys Island Golf Cart Accident Attorneys for Your Claim
Dealing with the insurer’s tactics after a golf cart accident in South Carolina can put your financial recovery at serious risk. Insurers will use every detail of the accident to paint you as partially or primarily at fault. They will argue over technicalities, such as whether the golf cart was operating outside the four-mile radius allowed by state law or on roads where golf carts are restricted.
It only takes a percent over the legal threshold to deny you any compensation at all under the state’s modified comparative negligence law. That’s where Auger & Auger’s Pawleys Island golf cart accident lawyers come in.
Since 1995, Auger & Auger has helped injured clients recover even when the odds are stacked against them. With over $100 million recovered and a 99.5% success rate, we meet insurance companies head-on when they attempt to twist laws and shift blame. We conduct our own in-depth investigations, even calling in accident reconstruction specialists, to build a compelling counterargument and protect your claim.
How Insurers Exploit the Law to Limit Payouts in Golf Cart Accident Claims
Insurers will use various legal loopholes, including recent updates under Act 42, to shift blame and reduce their financial responsibility after a golf cart accident. Their strategies rely on technicalities and blame-shifting to minimize payouts or eliminate compensation.
Citing Golf Cart Regulations to Shift Blame Onto You
South Carolina Code of Laws Section 56-2-90 restricts golf cart use to daylight hours and limits travel to secondary roads within a four-mile radius of the owner’s address. Golf cart owners must also obtain official registration and insurance.
Insurers use the law to argue that:
- The golf cart was operating outside this legal radius.
- The operator didn’t meet permit or insurance requirements.
- There were violations of speed limits or road access rules.
Insurers shift focus to compliance to detract from the at-fault party’s role in causing the accident. Even when these claims are unfounded, they’re used to confuse liability and stall payouts.
Exploiting Act 42 to Shift Fault
The Tort Reform and Liquor Liability Act (Act 42), effective January 1, 2026, changed how liability and compensation are determined in the following ways:
- Parties found less than 50% at fault only pay their proportional share of damages.
- Parties found 50% or more at fault can be held responsible for the entire amount of damages under joint and several liability rules.
To minimize payouts, insurers will point to another driver, a pedestrian, or a separate negligent entity to argue that others share fault, even if they aren’t part of the lawsuit. An insurer may also claim you acted negligently, by speeding, not following golf cart laws, or failing to yield, to push your percentage of fault higher.
Dividing and deflecting liability is how insurers stay below the 50% fault threshold, reducing their financial responsibility and shifting the burden to you or others.
How Our Pawleys Island Golf Cart Crash Lawyers Counter Insurers’ Tactics
Our golf cart crash lawyers have seen every tactic insurers use to reduce financial responsibility. With decades of experience, we have the knowledge and resources to protect your claim.
To counter insurers’ efforts, we begin our investigation early on, documenting critical scene details and issuing preservation letters or subpoenas for key evidence, including:
- Skid marks, vehicle damage, and road conditions that demonstrate the at-fault party’s negligence.
- Data such as GPS records, maps, and distance calculations to prove the golf cart’s compliance with Section 56-2-90.
- Accident reconstruction specialist analysis to recreate the crash and definitively disprove insurer arguments about fault or compliance.
Our team works to show full compliance with South Carolina golf cart laws on radius, operation timelines, and registration. We work to demonstrate how the other party’s actions caused the accident, leaving no room for insurers to argue shared responsibility.
You Waste No Time With Our A&A Zero Fee Guarantee™
Our A&A Zero Fee Guarantee™ makes it easy to start your case immediately and meet your legal deadline to file a personal injury lawsuit under South Carolina Code of Laws Section 15-3-530, which generally only gives you three years to file suit.
Under this arrangement, we’ll begin preserving evidence and building your case at no out-of-pocket expense to you. You only pay attorney fees when we recover compensation on your behalf.
Call Us for Help From Our Golf Cart Crash Attorneys in Pawleys Island
Don’t let insurers control the outcome of your golf cart accident claim. At Auger & Auger, we handle every aspect of the claims process so you don’t have to. We’re not afraid to take your case to trial if needed, either.
Call us today for a free initial consultation during which you can explain what happened, and we can tell you how our Pawleys Island golf cart crash lawyers can fight back against insurers.
