South Carolina


CHOICE OF LAW

Choice of Law Admission of Extrinsic Evidence Insurer Allocation Pre-Tender FeesStatute of Limitations
Where the insurance policy covers risks located within South Carolina, the law of South Carolina will be appliedFacts known to the insurer If one claim is potentially covered, must defend entire suitNot Addressed3 years
Sangamo Weston, Inc. v. National Sur. Corp, 414 S.E.2d 127, 130 (S.C. 1992)City of Hartsville v. South Carolina Mun. Ins. & Risk Financing Fund, , 382 S.C. 535, 544 (S.C. 2009)Town of Duncan v. State Budget & Control Board Div. of Ins. Servs., 482 S.E.2d 768, 774 (S.C. Ct. App. 1997)(S.C. Code Ann. § 15-3-530)
Pre-Judgment Interest Late Notice Public Policy Bar Independent CounselAtty's Fees/Decl. Relief Action
8.75%Notice-prejudiceNot a bar to indemnity Actual, not potential conflict required to secure insurer-funded defense through independent counselRecoverable
(S.C. Code Ann. § 34-31-20 A)Vermont Mut. Ins. Co. v. Singleton by & Through Singleton, 446 S.E.2d 417, 421-22 (S.C. 1994)Holmes v. McKay, 513 S.E.2d 851, 856 (S.C. Ct. App. 1999)Twin City Fire Ins. Co. v. Ben Arnold-Sunbelt Beverage Co. of S.C., 433 F.3d 365, 374 (4th Cir. 2005)First Fin. Ins. Co. v. Sea Island Sport Fishing Soc’y, Inc., 490 S.E.2d 257, 259 (S.C. 1997)