What to do When You Get into an Accident With an Out-of-State Driver
Getting into a wreck can lead to numerous stressors, like long-term injuries and vehicle damage. In nearly all crashes, you will have to deal with insurance companies, which can only add to the stress you already feel.
While you may be familiar with the steps you should take after getting into an accident, knowing the differences between dealing with an out-of-state driver and an in-state driver is essential. Whetstone Perkins & Fulda’s trusted auto collision attorneys are here to guide you during these stressful times.
First Steps To Take After a Collision
Whether you are in an accident with an in-state or out-of-state driver, there are several steps you should take to protect yourself and ensure your safety.
Evaluate Yourself
Getting into a wreck can happen in a matter of moments. It is important to take time to assess your needs immediately. Check for any injuries and note how you feel. While making this assessment, make sure to turn on your hazards and move to a safe location, if possible.
Call Emergency Services
No matter what, it is a good idea to call the local law enforcement to have the accident properly reported. With a police report, you will have a stronger case to receive the compensation you deserve. In addition to calling law enforcement, you should consider calling for medical assistance if you or anyone else involved has been injured. Many injuries may not be immediately apparent, so it is wise to be checked out by a doctor.
Exchange Information and Collect Documentation
While waiting for the police to arrive, begin exchanging information with the other driver. Having accurate information, especially if an at-fault driver is not local, will help you pursue your case. It is important to collect the following:
- Full name and contact information of the other driver
- Full name and contact information of the car’s owner if not the driver
- Driver’s license number
- Insurance company and policy number
- License plate number and state of registration
- Make, model, and color of the other driver’s vehicle
Documenting the scene will significantly help when building your accident case. We recommend you take photos of the vehicles involved, license plates, visible injuries, and general photos of the location and road conditions. If the other vehicle has a company logo be sure and take a photo or write down the information.
Differences With An Out Of State Driver Accident Case
While the approach may feel similar when getting into an accident with an in-state and out-of-state driver, there are essential things to know.
Insurance coverage across state borders may differ, especially considering that minimum insurance requirements and coverages differ by states. In South Carolina, all drivers are required to have minimum liability insurance.
If the out-of-state driver has less than South Carolina’s minimum insurance, you may need to consider your own Underinsured Motorist (UIM) or Uninsured Motorist (UM) Coverage. UIM/UM coverage is helpful because it will help protect against losses regardless of the other driver’s insurance status.
If a collision occurs in South Carolina, the case must be filed in alignment with South Carolina’s laws. The out-of-state driver and the out-of-state insurance company involved may need to be educated regarding South Carolina laws and processes.
Talk to a Lawyer When You Are in an Accident With an Out-of-State Driver
After an accident with an out-of-state driver, our team of experienced personal injury attorneys could be the advocates you need. We are here to advise you on how to communicate with at-fault drivers and their insurance representatives and ensure your rights are protected throughout your case.
Since insurance policies differ across state lines, it is crucial to have knowledgeable legal professionals help you decide the best next steps. When you or a loved one has experienced a car crash, contact Whetstone Perkins & Fulda.
