Who To Call if You’re Injured in a Car Accident While Vacationing in Charleston, SC?

A vacation should be a chance to relax, wind down, and forget about your problems, but a car accident can turn things upside down, ruining it all. It’s crucial to know who to call if you’re injured in a car accident while vacationing in Charleston, SC. Whether you’re from the area or just passing through, knowing which steps to take, from calling the police and seeking medical care to consulting with a lawyer, can protect your health and your rights after an accident.

There are a few things you may want to know regarding who you should contact, what to expect, and how a local attorney can assist you in managing the legal complexities that often come about after an out-of-town accident.

Contact Emergency Services First

If you are in a car accident while on vacation in Charleston, the first thing you should do is call emergency services. Police and paramedics can respond swiftly to ensure you receive immediate medical care and the accident is properly documented.

The police report generated can be critical to your insurance claim as it can provide an official description of the collision and any injuries you sustained. Even if you believe your injuries are minor, having paramedics assess you on the scene can help prevent difficulties later. It is also a good idea to visit the hospital to ensure there are no underlying injuries.

Notify Your Insurance Company

While you are still in Charleston, contact your insurance carrier to report the accident. Most insurance companies require prompt notification of accidents, and doing so from the start can help speed up the claims process. Be forthcoming with your insurance agent about the specifics of the accident, but avoid making statements regarding fault.

Your insurer will likely request a police report and injury documentation, so having this information ready can help the process go more smoothly. Before agreeing to any settlement offer, consult with a local attorney who can assess whether the given amount fully compensates for your injuries and losses.

Gather Evidence at the Scene

If you’re able, gather key evidence at the accident scene. Take photos of the vehicles, damages, and surroundings, and exchange information with the other driver and witnesses. These details can be crucial in proving fault and supporting your claim, especially if the other party disputes events.

Seek Medical Treatment and Keep Records

Getting medical attention after an accident, even if you feel like you’re not hurt, is critical for recording damage. Visit a Charleston hospital or urgent care center and keep track of diagnoses, treatment plans, and prescription drugs. This documentation can support your injury claim by demonstrating a direct link between the accident and medical expenses.

Understand South Carolina’s Fault Laws and Statute of Limitations in Charleston, SC

South Carolina is an at-fault state, so the liable driver’s insurance should cover damages. Under the comparative negligence rule, you can still recover damages even if partially at fault, though compensation decreases in proportion to your percentage of fault. The statute of limitations for filing a personal injury or property damage claim is three years, so timely action is very important.

Avoid Quick Settlements From Insurance Companies

Insurance companies will try to settle your claim quickly, perhaps for much less than your claim’s value, and initial offers usually do not include anticipated future medical costs or lost wages. Before you accept, know whether the offer is appropriate for compensating you for the full value of your injuries to avoid undervaluing your claim.

Prepare for Possible Legal Action

If a fair settlement can’t be reached, you may need to take your case to court. Preparing for this possibility early on by collecting strong evidence and working with a local attorney can strengthen your position. While most cases settle out of court, being prepared helps ensure your claim receives the attention it deserves.

FAQs

How Do I File a Car Accident Claim With an Insurance Company In South Carolina?

To file a claim with an insurance company in South Carolina, report the accident as soon as possible, and provide necessary documentation, such as the police report, accident photos, and medical records. A Charleston attorney can help ensure you meet all local requirements and represent you during communications with the insurer.

Can I Use My Health Insurance for Medical Treatment After a Car Accident?

Yes, you can use your health insurance for treatment following an accident, and then your health insurer can seek reimbursement from the at-fault driver’s insurance policy under the process known as subrogation. An attorney can help manage this process and maintain your overall compensation. The earlier you contact an attorney, the better.

Will My Out-of-State Insurance Apply to a Car Accident in South Carolina?

Yes, your out-of-state insurance policy should cover you in South Carolina. Depending on your insurance, you may be subject to state-specific regulations. A Charleston attorney can assist with communications with your insurance carrier to clarify coverage restrictions, ensuring your bills are covered while avoiding potential legal pitfalls. Consider hiring an attorney to help you navigate all of this.

How Can a Local Attorney Help if I Return Home Before the Car Accident Case Is Resolved?

A Charleston attorney can help you by continuing to manage your case remotely and coordinating with your local healthcare providers, insurers, and other necessary parties. They can handle all communications and represent you in any Charleston-based legal proceedings, so you may not need to return for court appearances unless required. All of this can be very helpful if you’re still injured.

Contact a South Carolina Car Accident Lawyer

If you get hurt in a car accident while vacationing or visiting Charleston, SC, you need to know the right steps to take to protect your health and finances. An attorney can help you be better informed about what to do, from gathering evidence to seeking prompt medical care and understanding South Carolina’s fault laws. Including an attorney in your case from the start can help build a strong claim.

At Axelrod & Associates, P.A., we’re here to guide you through every step, leveraging our local knowledge to protect your rights and interests. We can handle communications, negotiations, and any necessary legal actions, allowing you to fully focus on your recovery. Contact us today for a consultation to discuss your options and seek the compensation you deserve for your injuries and losses.