{"id":376205,"date":"2016-11-22T13:32:47","date_gmt":"2016-11-22T18:32:47","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/south-carolina-law\/south-carolina-car-accident-settlement-process-and-timeline.html"},"modified":"2025-02-27T15:18:38","modified_gmt":"2025-02-27T20:18:38","slug":"south-carolina-car-accident-settlement-process-and-timeline","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/south-carolina-law\/south-carolina-car-accident-settlement-process-and-timeline.html","title":{"rendered":"South Carolina Car Accident Settlement Process and Timeline"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">South Carolina Car Accident Settlement Process and Timeline<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/christie-nicholson-j-d\/\">Christie Nicholson, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw Staff<\/a>\n                | Last reviewed\n        <time>\n                            February 27, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>South Carolina is known for its low country cuisine, beautiful beaches, and NASCAR action. Unfortunately, not all the hot-rodding takes place on the Darlington Raceway. South Carolina has more than its share of <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents.html\">car accidents<\/a>.&nbsp;<\/p>\r\n<p>If you are in a car accident in South Carolina, you should understand how the settlement process works. You should learn the <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/after-a-car-accident.html\">steps you must take<\/a> immediately after your crash.<\/p>\r\n<p>If you still have questions about your car accident case, contact an experienced <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/south-carolina?fli=dcta\" target=\"_blank\" rel=\"noopener\">South Carolina car accident lawyer<\/a>.<\/p>\r\n<h2><b>Do I Need to Report a Car Accident in South Carolina?<\/b><\/h2>\r\n<p>If you get into a car accident, the law <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/what-to-do-after-a-car-accident-checklist.html\">requires that you report it<\/a>. There are specific situations where you don&#8217;t have to report the collision. But, for the most part, you need to err on the side of caution.<\/p>\r\n<p>According to the South Carolina Code of Laws,&nbsp;<a href=\"http:\/\/www.scstatehouse.gov\/code\/t56c009.php\" target=\"_blank\" rel=\"noopener\">Section 56-9-350<\/a>, operators or owners of vehicles involved in an accident must submit a written report immediately. This report must include verification of the at-fault driver&#8217;s liability&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/automobile-insurance-policy-coverage.html\">insurance coverage<\/a>.<\/p>\r\n<p>You must file this report if any of the following exist:<\/p>\r\n<ul>\r\n<li>One of the drivers, passengers, or third parties suffer serious bodily injury or death<\/li>\r\n<li>There is more than $400 in property damage<\/li>\r\n<li>The police did not investigate the accident<\/li>\r\n<\/ul>\r\n<p>Most people have no idea precisely how much <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-property-damage-claims-faq.html\">property damage<\/a> results from their car crash, nor can they be sure whether there were serious injuries. You&#8217;re better off reporting the accident. The best way to do this is to call 911 immediately after the collision.<\/p>\r\n<p>The attorney handling your car accident claim will need the police report to prove your case. Without it, you&#8217;ll have difficulty proving the other driver was <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/negligence.html\">negligent<\/a>.<\/p>\r\n<h2><b>South Carolina Car Insurance Laws<\/b><\/h2>\r\n<p>As with many other states, South Carolina has laws on drivers&#8217; financial responsibilities. These laws require drivers to maintain <a href=\"https:\/\/www.doi.sc.gov\/588\/Automobile-Insurance\" target=\"_blank\" rel=\"noopener\">minimum coverage<\/a> through their auto insurance policies.<\/p>\r\n<p>South Carolina Code of Laws,&nbsp;<a href=\"http:\/\/www.scstatehouse.gov\/code\/t56c009.php\" target=\"_blank\" rel=\"noopener\">Section 56-9-353<\/a>, requires that drivers hold policies that cover:<\/p>\r\n<ul>\r\n<li>No less than $25,000 for bodily injury liability per person in a single accident<\/li>\r\n<li>No less than $50,000 for bodily injury liability per accident<\/li>\r\n<li>No less than $25,000 for injury or destruction of property of others in an accident<\/li>\r\n<\/ul>\r\n<p>Many drivers choose to carry more than the bare minimum. If your insurance policy doesn&#8217;t cover the total damages in a car accident, the courts may hold you liable for the difference.<\/p>\r\n<h2><b>How Do Car Accident Settlements Work in South Carolina?<\/b><\/h2>\r\n<p>The South Carolina car accident settlement process is like most other states. Since every car accident is different, it&#8217;s impossible to know for sure how your case will work.<\/p>\r\n<p>The process starts when you&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-insurance-claims-dos-and-don-ts.html\">file a claim<\/a> with the insurance company. An insurance claims adjuster investigates the incident and reviews the evidence you submit with your claim. The insurance adjuster will pay your claim, deny it, or offer a settlement.<\/p>\r\n<p>You can submit a counteroffer if the offer does not cover your damages. You must provide the insurance carrier with more evidence supporting the higher settlement amount. It may take several rounds of&nbsp;<a href=\"https:\/\/www.findlaw.com\/litigation\/legal-system\/tips-on-negotiating.html\">negotiation<\/a> before you reach an agreement.&nbsp;<\/p>\r\n<p>If you accept a settlement offer, you waive your ability to sue for damages. If you can&#8217;t agree, your South Carolina car accident lawyer will file suit on your behalf.<\/p>\r\n<h2><b>What Is the Average Car Accident Settlement in South Carolina?<\/b><\/h2>\r\n<p>One of the first questions accident victims ask their personal injury attorney is how much their case is worth. This question is hard to answer, as your car accident settlement amount depends on several factors.<\/p>\r\n<p>Some of these factors include:<\/p>\r\n<ul>\r\n<li>The nature and severity of your car accident injuries<\/li>\r\n<li>Whether you missed time from work<\/li>\r\n<li>If you become disabled as a result of the collision<\/li>\r\n<li>The pain and suffering you experience due to the accident<\/li>\r\n<\/ul>\r\n<p>When you file your initial claim, you must demand damages.&nbsp;This&nbsp;is true for your insurance claim and personal injury lawsuit.&nbsp;<\/p>\r\n<p>Your personal injury lawyer will demand some (or all) of the following&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/worksheet-damage-estimate.html\">types of damages<\/a>:<\/p>\r\n<ul>\r\n<li>Medical bills and future medical expenses<\/li>\r\n<li>Lost wages<\/li>\r\n<li>Lost future income<\/li>\r\n<li>Pain and suffering&nbsp;<\/li>\r\n<\/ul>\r\n<p>Once you determine how much your case is worth, negotiations will start. Even if you&#8217;ve sued the at-fault driver, your attorney will still try to <a href=\"https:\/\/www.findlaw.com\/litigation\/legal-system\/tips-on-negotiating.html\">settle your case<\/a>. Any settlement offer you accept must provide fair compensation for your injuries and cover any of your out-of-pocket expenses.<\/p>\r\n<h2><b>How Long Do I Have to File a Car Accident Lawsuit in South Carolina?<\/b><\/h2>\r\n<p>States require that you file your lawsuit within a specific time frame. These &quot;<a href=\"https:\/\/www.findlaw.com\/state\/accident-and-injury-laws\/details-on-state-civil-statute-of-limitations.html\">statutes of limitations<\/a>&quot; are important because the judge will dismiss your case if they lapse before you start your lawsuit.<\/p>\r\n<p>You have three years in South Carolina to file your&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury.html\">personal injury<\/a> lawsuit. Under the South Carolina Code of Laws,&nbsp;<a href=\"http:\/\/www.scstatehouse.gov\/code\/t15c003.php\" target=\"_blank\" rel=\"noopener\">Section 15-3-530<\/a>, the clock starts on the date of your car crash.<\/p>\r\n<h2><b>Get Legal Help With the Settlement Process After a Car Accident in South Carolina<\/b><\/h2>\r\n<p>Dealing with insurance companies and state agencies after a car accident can add stress to an already stressful situation. A lawyer&#8217;s help can make this process much more straightforward and help ensure that you receive fair compensation for your damages.&nbsp; Ease some of your stress and speak to a skilled&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/south-carolina?fli=dcta\" target=\"_blank\" rel=\"noopener\">car accident attorney<\/a> in South Carolina today.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" 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                          type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n    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for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                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class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. Many attorneys offer free consultations.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/#USER_GEO\/?fli=esum\" title=\"Car Accident Attorney Directory\" target=\"_blank\" rel=\"noopener\">If you need an attorney, find one right now.<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img 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