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I was just in a car accident

FirstIf anyone is hurt, call 911 now.

Safety first, then information, then your insurer.

Call 911 if anyone is hurt. If your car can be driven, move it out of traffic if you can do it safely. Source: NAIC¹
Call the police, especially if there are injuries or it's a hit and run. Source: NC Insurance Dept.²
Exchange names, phone numbers, plate numbers, license numbers and insurance information. Copy the insurer and policy number exactly as written. Source: NC Insurance Dept.²
Take photos. Write down witnesses' contact information, the officer's name and badge number, and where to get the report. Source: NAIC¹
Call the number on your insurance card, or use your insurer's app, to start a claim. Source: NAIC¹

Don't. Don't agree to "forget about it." Damage or injuries can show up later. Source: NC Insurance Dept.²

Sources

National Association of Insurance Commissioners What you should know about filing an auto claim
North Carolina Department of Insurance After an accident
National Association of Insurance Commissioners Auto insurance

Last checked October 2, 2026 against the sources listed.