SC H3497

Establishes a civil cause of action against alcohol licensees who knowingly sell, serve, or furnish alcohol to visibly intoxicated persons or individuals under 19, with damages capped at 50% of total plaintiff damages when the intoxicated driver is more than 50% at fault

Creates mandatory alcohol server training program requiring online certification within 30 days of employment, with certificates valid for 3 years and training fees capped at $50

Reduces required liquor liability insurance from $1 million to $500,000 for businesses open after 5 p.m. ($300,000 for nonprofits) and requires forensic digital ID systems for establishments open between midnight and 4 a.m.

Reforms joint and several liability by making defendants severally liable for noneconomic damages and jointly liable for economic damages only when their fault exceeds 50%, while allowing defendants to add settling parties to verdict forms for fault allocation

Increases minimum auto insurance liability limits from $25,000/$50,000/$25,000 to $50,000/$100,000/$50,000, effective two years after the act's approval