Solving vehicular collision claims in South Carolina isn’t a one-size-fits-all situation. Whereas the timelines outlined herein represent typical scenarios encountered in the ordinary course of claims processing:
For your garden-variety fender-bender where the fault is crystal clear, you might wrap things up in 6-8 weeks. Insurance adjusters can move pretty quickly when everything’s straightforward.
Throw some injuries into the mix, and things slow down considerably. Nobody wants to settle before they know the full extent of their medical bills and recovery time. You’re looking at anywhere from 6 months to a year, sometimes longer if complications arise.
Furthermore, should disputes emerge regarding fault or compensation adequacy, be advised that litigation becomes a distinct possibility. Once lawyers get involved and you’re headed to court, you’re in it for the long haul – easily 12-36 months, subject to court calendars and procedural requirements.
According to South Carolina law, the responsibility for damages falls squarely on the shoulders of the at-fault driver’s insurance carrier. Worth noting: you’ve got three years from crash day to file a lawsuit, but don’t wait that long if you can help it.
Pro tip: Get a lawyer involved early if you deal with anything beyond a minor bump. The insurance company has an army of adjusters who pay you as little as possible. Level the playing field.
