What to Do After a Car Accident in South Carolina
A car accident can leave you shaken, sore, and unsure of what to do next — especially in the first few minutes after impact. What happens next, though, can affect your health, your insurance claim, and your ability to recover compensation if the crash wasn't your fault. Here's a step-by-step guide, along with what South Carolina law says about fault and insurance after a wreck.
1. Check for Injuries and Call 911
Safety first. Check on yourself and any passengers, and call 911 if anyone is hurt or if the vehicles need to be moved out of traffic. Even if you feel fine, adrenaline can hide pain from whiplash, concussions, or soft-tissue injuries that show up hours or days later. It's always worth being evaluated.
2. Report the Accident
If the crash involves an injury, a death, or more than
$1,000 in property damage, South Carolina law requires it to be reported. If law enforcement responds to the scene, they'll typically complete this for you on Form FR-309. If police don't respond — which sometimes happens with minor crashes — you're responsible for filing the FR-309 yourself with the SCDMV within
15 days. Failing to report when required can jeopardize your driver's license and give an insurance company a reason to dispute your claim.
3. Exchange Information — and Nothing More
Get the other driver's name, contact information, license plate, and insurance information. Avoid discussing who was at fault at the scene — even a well-meaning "I'm sorry" can later be used against you as an admission of fault. Stick to the facts.
4. Document the Scene
Take photos of both vehicles, license plates, the road, any skid marks, traffic signs or signals, and your visible injuries. Get names and phone numbers for any witnesses. This evidence can be far more persuasive than memory alone once weeks have passed and insurance adjusters start asking questions.
5. Get Medical Treatment and Keep Records
See a doctor promptly, even for what seems like a minor injury, and follow through with any recommended treatment. Keep every medical bill, prescription, and record of missed work. Gaps in treatment are one of the first things insurance companies point to when trying to minimize a claim.
6. Be Cautious with Insurance Companies
You'll likely hear from the other driver's insurance company soon after the crash. You're not required to give a recorded statement, and you shouldn't sign a release or accept a settlement offer before understanding the full extent of your injuries. Adjusters are trained to settle claims quickly and for as little as possible — often before you know what your medical treatment will actually cost.
South Carolina Is an At-Fault State
South Carolina is a "fault" or tort state, meaning the driver who caused the accident — and their insurance — is responsible for the resulting damages. South Carolina requires drivers to carry at least
25/50/25 liability coverage ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage), along with matching uninsured motorist coverage. Because these minimums are often not enough to cover serious injuries, it's worth checking your own policy for underinsured motorist coverage, which can help fill the gap if the at-fault driver's insurance isn't sufficient.
South Carolina also follows a modified comparative negligence rule with a
51% bar: you can recover damages as long as you're found less than 51% at fault, with your award reduced by your percentage of fault. If you're found 51% or more at fault, you can't recover anything. Insurance adjusters routinely try to shift blame onto accident victims for exactly this reason, which is one of the biggest reasons to have someone advocating on your behalf.
Don't Wait to Get Help
South Carolina generally gives you
three years from the date of the accident to file a personal injury lawsuit (and three years from the date of death in a wrongful death case). That window can shrink to as little as
two years if a government vehicle or employee was involved in the crash. Evidence and witness memories fade over time, so it's best to speak with an attorney well before any deadline is close.
Talk to a South Carolina Car Accident Attorney
If you've been injured in a car accident that wasn't your fault, you shouldn't have to go up against an insurance adjuster on your own. At
Sharpe & Leventis, LLC, we help car accident victims throughout South Carolina understand their options, push back against lowball offers, and pursue the compensation they deserve.
Sharpe & Leventis, LLC
3710 Landmark Drive, Suite 403
Columbia, SC 29204
๐ (803) 830-6296
๐ https://www.sharpeleventis.com
Contact us today for a free, no-obligation consultation.
*This article is provided for general informational purposes only and does not constitute legal advice. Every case is different — please contact Sharpe & Leventis, LLC or another licensed South Carolina attorney to discuss the specific facts of your situation.*
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