Oops, I Bumped Ya! A Guide to Navigating Police Reports and Insurance Claims After a Fender Bender in North Carolina

Navigating Property Insurance Claims: Expert Advice and Guidance

You’ve just had a fender bender in the Tar Heel State. Maybe it was a parking lot tango or a red-light “oopsie.” Either way, your bumper’s bruised, your nerves are frayed, and now you’re wondering: What do I do next?

Fear not. Here’s your step-by-step guide to handling the aftermath like a pro—with a dash of humor to keep your spirits up.

Check for Injuries (and Breathe)

Before you go full Sherlock Holmes on the scene, make sure everyone’s okay. If anyone’s hurt, call 911 immediately. If it’s just your pride that’s wounded, proceed to next step.

Call the Cops (Yes, Even for Minor Mishaps)

In North Carolina, you’re legally required to report an accident if:

• Someone is injured or killed

• Property damage is $1,000 or more

• A vehicle needs to be towed

  
  

Even if it’s a minor scrape, calling the police is a smart move. Why? Because the police report is your golden ticket to filing an insurance claim. It’s the official “he said, she said” document that insurers love.

Channel Your Inner Paparazzi

While waiting for the police, whip out your phone and document everything:

• Damage to all vehicles

• License plates

• Driver’s licenses and insurance cards

• The scene (skid marks, traffic signs, etc.)

Bonus points if you manage to get a dramatic sunset in the background.

File That Police Report

If the officer shows up, they’ll file a DMV-349 Crash Report and send it to the North Carolina DMV within 10 days. If no officer comes (say, it’s a minor bump and they’re busy chasing actual criminals), you can still file a report yourself by contacting local law enforcement.

Insurance Time—Cue the Elevator Music

Now it’s time to call your insurance company. Be ready to provide:

• The police report number (if available)

• Photos and details of the accident

• The other driver’s info

Pro tip: Be honest, but don’t overshare. “I was texting my cat” is not a great opener.

Don’t Ghost the DMV

If the police didn’t file a report and the damage is significant, you may need to notify the DMV yourself. When in doubt, call them or check their website.

Keep Calm and Follow Up

Insurance claims can take time. Be patient, stay organized, and follow up if needed. And if the other driver’s story starts sounding like a soap opera plot, consider consulting a lawyer.

Final Thoughts: Fender Benders Happen

Even the best drivers have off days. The key is to stay calm, document everything, and follow the rules. And next time, maybe leave a little more space between you and that suspiciously shiny SUV.