A hit-and-run accident can be both alarming and financially damaging. If you find yourself a victim of a hit-and-run in South Carolina, you may need to file a claim with your own insurance company for damages or injuries, which could lead to an increase in your premium, even if you aren’t at fault. On the other hand, if you are responsible for the accident and flee the scene, South Carolina law stipulates that you could face fines and legal repercussions, as well as being classified as a high-risk insurance applicant.

Hit-and-runs in South Carolina

In South Carolina, an accident is classified as a hit-and-run when the at-fault driver leaves the scene. This action is not only illegal but can also result in severe penalties, including hefty fines, potential jail time, and a felony conviction. In 2021, the state reported 4,925 hit-and-run incidents, leading to 13 fatalities.

Hit-and-run laws in South Carolina

In South Carolina, hit-and-run laws require drivers to stop immediately after being involved in an accident that results in property damage, injury, or death. Failure to comply can lead to significant legal penalties, which vary based on the severity of bodily injuries.

For minimal bodily injury, the consequences may include a misdemeanor conviction, a fine of up to $5,000, and imprisonment ranging from 30 days to one year. In cases of severe bodily injury, the offense could be classified as a felony, with fines between $5,000 and $10,000 and potential jail time ranging from 30 days to 10 years. If the incident results in death, the penalty may also be a felony, carrying a prison sentence of one to 25 years and a fine of up to $25,000.

How does a hit-and-run affect car insurance in South Carolina?

Leaving the scene of an accident in South Carolina can lead to higher insurance premiums, particularly if you are the at-fault driver. For individuals with a clean driving record, the average cost of full coverage insurance is about $1,842 annually. After an at-fault accident, this rate rises to approximately $2,607 for full coverage. Hit-and-runs are viewed more seriously than standard accidents, so a conviction may result in an even steeper rate increase. Additionally, your insurance provider may drop you or require you to file an SR-22 form.

Even if you are the victim of a hit-and-run, your premium might still rise at renewal, especially if you filed a claim. However, if you have an accident forgiveness endorsement on your policy, your rate may remain unaffected.

If you experience a premium increase after an accident, it might be a good idea to explore other insurance options. Different carriers assess risk differently, and shopping around could help you find a lower rate.

What to do after a hit-and-run in South Carolina

Being involved in a hit-and-run accident can be incredibly stressful. Your first priority should be ensuring the safety of yourself and your passengers, and seeking medical attention if necessary. Here’s what you should do next:

  • Get Medical Attention: Assess everyone’s condition and check for injuries. Call 911 to have police and medical personnel dispatched if needed. It’s wise to seek medical attention even if you feel fine at the moment.
  • Quickly Gather Details: If you’re able, note any details about the vehicle that hit you, such as the license plate number, make, and model. Document anything you observe for future reference. If there are witnesses, ask them to stay and provide their accounts to the police.
  • Cooperate with Police: If you’ve called 911, police will likely arrive at the scene. Be cooperative, have your insurance card ready, and answer their questions as thoroughly as you can.
  • Take Photos and Videos: Without hindering the police investigation, capture as many photos and videos as possible to document the scene and conditions. This evidence can be valuable for your insurance claim later on.