South Carolina Accident Policy
Description
How to fill out Accident Policy?
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FAQ
5 Things To Do at the Scene of the AccidentCall 911. Any time you are involved in a car accident, you should call 911 from the scene.Obtain the Other Driver's Insurance Information.Obtain Any Witnesses' Contact Information.Take Photos and Video.Make Sure You Get a Copy of the Police Report.
The SC statute states that if the accident occurred in a municipality, you must report it to the local police. Otherwise, you must report the accident to the office of the county sheriff or to the closest South Carolina Highway Patrol office.
The statute of limitations in South Carolina for a car accident is three (3) years. The three years starts from the date of the accident. If you fail to file your claim within three years, your claim will be dismissed.
Comprehensive coverage will also cover broken glass, such as damage to a windshield. In South Carolina, auto insurers cannot impose a deductible for safety glass repairs or replacements. While not required by law, comprehensive and collision coverage may be required by your lender.
The SC statute states that if the accident occurred in a municipality, you must report it to the local police. Otherwise, you must report the accident to the office of the county sheriff or to the closest South Carolina Highway Patrol office.
Unlike so-called no-fault states, South Carolina uses a fault-based system for dealing with car accidents, meaning the at-fault driver themselves can be held legally liable for any costs you incur.
No, South Carolina does not have the no-fault law in effect. Instead, it follows an at fault model with comparative negligence. This means that so long as you are under 50% responsible for your accident, you can file a claim against the driver that caused your accident.
Report the accident to the police. In South Carolina, you must report the accident to the police if a crash results in injury or death. With that said, even if the vehicle damage and/or injuries appear to be minor, you should still call the police. Doing so will create a record.
Completing an Investigation In general, the insurer must complete an investigation within 30 days of receiving your claim. If they cannot complete their investigation within 30 days, they will need to explain in writing why they need more time.
