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How to File a Car Accident Claim in Rock Hill

Getting into a car accident can be scary and stressful, even if it’s just a minor fender bender. Your mind might be racing with questions: What should I do next? Who do I call? How do I file a claim? If you’re in Rock Hill and find yourself in this situation, don’t worry. You’re not alone. Knowing the right steps to take after a car accident can help you stay calm and protect your rights.

In this guide, we’ll walk you through how to file a car accident claim in Rock Hill, South Carolina. We’ll keep things simple, break it down step by step, and help you feel more in control during a tough situation.

Step 1: Make Sure Everyone is Safe

Before anything else, check to see if anyone is hurt. If there are injuries, call 911 immediately. Even if the accident seems minor, it’s still a good idea to call the police. In South Carolina, you are required to report any accident that results in injury, death, or property damage of $1,000 or more.

If it’s safe to do so, move your vehicle out of traffic to avoid another collision. Turn on your hazard lights, and stay at the scene.

Step 2: Call the Police

Even if no one appears to be seriously injured, calling the police is still a smart move. An officer can document the scene, write an official accident report, and gather statements from everyone involved. This report can be incredibly helpful later when you're filing a car accident claim.

In Rock Hill, the responding officer will typically file the report with the Rock Hill Police Department or the South Carolina Department of Motor Vehicles. Be sure to get a copy or know how to request one later.

Step 3: Exchange Information

Next, exchange the following information with the other driver:

Full name and contact details
Driver’s license number
License plate number
Insurance provider and policy number
Make, model, and color of the vehicle

Also, try to collect contact information from any witnesses. Their statements could support your claim if there are disagreements about what happened.

Step 4: Document the Scene

Your smartphone is your best friend in this situation. Take clear photos of:

The vehicles involved (from multiple angles)
Any damage to vehicles or property
Skid marks or debris
Road conditions, signs, and traffic lights
Visible injuries, if any

It’s also a good idea to jot down some notes about what happened. Include the date and time, weather conditions, what you were doing just before the crash, and anything else that seems important. Your memory might fade later, so writing it down while it's fresh can be helpful.

Step 5: Notify Your Insurance Company

Once everyone is safe and you’ve gathered all the necessary info, it’s time to call your insurance company. Don’t delay. Most insurers want to know about the accident as soon as possible. Some even have apps that make it easy to start the claims process right away.

When you talk to your insurance agent, stick to the facts. Don’t admit fault, even if you think you may have contributed to the crash. Let the insurance adjusters and investigators determine who is at fault based on evidence.

Be ready to provide:

Your policy number
Details about the accident
Contact info of the other driver(s)
Photos and documentation from the scene

Step 6: Understand How Insurance Works in South Carolina

South Carolina is an at-fault state, which means the driver who caused the accident is responsible for paying for the damages. That could be through their insurance policy or out of pocket if they’re uninsured.

The minimum insurance coverage required in South Carolina includes:

$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$25,000 for property damage

If the other driver is at fault, their insurance should cover your expenses. If you are at fault, your insurance may cover the damages, depending on your policy. If both drivers share some blame, the state uses comparative negligence rules, meaning your compensation might be reduced based on your percentage of fault.

Step 7: Follow Up on the Claim

Once your insurance company opens a claim, a claims adjuster will likely contact you to review the case. They may ask for additional information, photos, or estimates for repairs. Be honest and helpful, but don’t feel pressured to make any decisions right away, especially if you’re still shaken up.

In some cases, you may receive a settlement offer quickly. Before accepting it, make sure it truly covers all your expenses, including car repairs, medical bills, lost wages, and other related costs. If you’re unsure about the offer, it might be a good idea to speak with a legal professional before agreeing to anything.

Step 8: Consider Speaking With an Attorney

Not every car accident requires a lawyer, but sometimes it helps to have one in your corner. If the accident caused serious injuries, there’s a dispute about who was at fault, or the insurance company is giving you a hard time, you might want to consult with a personal injury attorney in Rock Hill.

Many offer free consultations and work on a contingency basis, which means they only get paid if you win your case. Having someone experienced handle the details can give you peace of mind while you focus on recovery.

Step 9: Get Your Car Repaired

Once your claim is processed and approved, you’ll be able to get your car repaired. Your insurance company may recommend certain repair shops, or you can choose your own. Be sure to keep all receipts and records of repairs in case they’re needed later.

If your car is totaled, meaning the cost of repairs is more than the car’s value, your insurer will typically pay you the actual cash value of the vehicle before the accident.

Final Thoughts

Filing a car accident claim in Rock Hill doesn’t have to be overwhelming. By staying calm and following these steps, you can protect your rights and get back on track. The most important thing is your safety, so take care of yourself first, then handle the paperwork.

Keep in mind that every accident is unique, and insurance policies vary. When in doubt, don’t be afraid to ask questions or seek professional advice. Being informed helps you make the best decisions during a stressful time.

Quick Recap: What to Do After a Car Accident in Rock Hill

Check for injuries and call 911
Contact the police and file a report
Exchange information with the other driver
Take photos and write down notes
Notify your insurance company
Understand South Carolina’s at-fault rules
Work with your claims adjuster
Consider speaking with an attorney if needed
Repair or replace your vehicle

Taking these steps can make the car accident claim process smoother and less stressful. Hopefully, you’ll never need to use this guide, but if you do, now you know what to do.