No one ever anticipates being involved in a car accident, but unfortunately, it can happen to anyone at any time. If you find yourself in such a situation in South Carolina, knowing what steps to take and what to expect after the accident is essential. This blog aims to guide you through the aftermath of a car accident in South Carolina, ensuring you are prepared and informed in case such an unfortunate event occurs.
Assessing Injuries and Safety
Immediately after the accident, the safety of everyone involved should be the top priority. Check yourself and others for injuries and call emergency services if necessary. If you can safely move your vehicle to the side of the road or a safe location, do so to prevent further accidents or road blockages.
Exchange Information
After ensuring everyone’s safety, exchange information with the other involved parties. Collect names, contact numbers, addresses, and insurance information from all drivers involved in the accident. Additionally, gather contact information from any witnesses present at the scene.
Reporting the Accident
In South Carolina, you are required to report an accident to the local police if it results in injuries, fatalities, or property damage exceeding $1,000. Filing a police report is crucial for insurance purposes and can help protect your rights if legal actions become necessary.
Seeking Medical Attention
Even if you initially feel fine, it’s essential to seek medical attention immediately after the accident. Some injuries may not show immediate symptoms, and getting medical attention ensures proper documentation of your injuries for insurance claims or legal proceedings.
Contacting Your Insurance Company
Notify your insurance company about the accident as soon as possible. Be honest and provide accurate details, but avoid admitting fault or accepting liability. Allow the insurance company to conduct its investigation and process your claim.
Understanding South Carolina’s Fault System
South Carolina follows a “fault” insurance system, meaning the party found responsible for causing the accident is liable for the damages. You can seek compensation either through your insurance company or by filing a personal injury lawsuit against the at-fault driver.
Statute of Limitations
In South Carolina, there is a time limit within which you must file a personal injury lawsuit after a car accident. The statute of limitations typically ranges from three years from the date of the accident. Failing to file within this timeframe may prevent you from recovering damages.
Dealing with Insurance Adjusters
Expect to receive calls from insurance adjusters representing your insurance company and the other party involved. Be cautious with your statements and avoid discussing the details of the accident beyond basic facts. You have the right to consult with an attorney before providing detailed information.
Contacting an Attorney
If you suffered severe injuries or significant property damage, it may be wise to consult with a personal injury attorney who handles car accidents. An experienced attorney can help protect your rights, negotiate with insurance companies, and ensure you receive fair compensation for your losses.
Experiencing a car accident in South Carolina can be a challenging and stressful situation. Knowing what to expect and taking the appropriate steps can make a significant difference in protecting your rights and securing the compensation you deserve. Prioritize safety, gather information, report the accident, seek medical attention, and communicate carefully with insurance companies. If necessary, consult with us here at Harbin & Burnett LLP, at 864.964.0333, to navigate the complexities of the legal process and ensure your best interests are represented.
