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I was just in a car accident

FirstIf anyone is hurt, call 911 now.

Call 911

Safety first, then information, then your insurer.

  1. Call 911 if anyone is hurt. If your car can be driven, move it out of traffic if you can do it safely (NAIC).
  2. Call the police, especially if there are injuries or it's a hit and run (NC Department of Insurance).
  3. Exchange names, phone numbers, plate numbers, license numbers and insurance information. Copy the insurer and policy number exactly as written (NC Department of Insurance).
  4. Take photos. Write down witnesses' contact information, the officer's name and badge number, and where to get the report (NAIC).
  5. Call the number on your insurance card, or use your insurer's app, to start a claim (NAIC).
Don't. Don't agree to "forget about it." Damage or injuries can show up later (NC Department of Insurance).

When things calm down: What to do after a crash

Sources

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

Last checked October 2, 2026 against the sources listed. See a mistake?