A Step-by-Step Guide from All Graham Insurance Solutions
Car accidents can happen to anyone — even the safest drivers. Knowing what to do immediately after a car accident in North Carolina can help you stay calm, protect your rights, and make the insurance process much smoother.
At All Graham Insurance Solutions, we care about our Charlotte community and want every driver to be prepared. Here’s your step-by-step guide for what to do after a crash.
1. Stay Calm and Check for Injuries
The first priority is safety. Take a deep breath and check yourself, passengers, and others involved for injuries.
- If anyone is hurt, call 911 immediately.
- Move vehicles to a safe spot, if possible, without leaving the scene.
- Turn on hazard lights and set up warning triangles if available.
2. Call the Police
In North Carolina, you must report an accident if it involves:
- Injuries or fatalities
- Significant property damage (typically over $1,000)
- A hit-and-run
A police report helps document what happened and is essential for insurance claims.
3. Exchange Information
Gather important details from all drivers and witnesses:
- Names, addresses, and phone numbers
- Driver’s license and license plate numbers
- Insurance company names and policy numbers
- Vehicle make, model, and color
Avoid discussing fault at the scene — let the police and insurance companies handle that part.
4. Document the Scene
Use your phone to take clear photos of:
- Vehicle damage (all sides)
- License plates
- Road conditions and signs
- Any visible injuries
These photos will help support your insurance claim later.
5. Notify Your Insurance Agent
Contact your insurance agent or company as soon as possible to start the claims process.
If you’re insured through All Graham Insurance Solutions, our local agents can help you:
✅ Report the claim correctly
✅ Understand what’s covered
✅ Connect with your carrier’s adjuster
✅ Arrange repairs or rental cars
Having a local independent agent means you’ll never have to navigate this process alone.
6. Follow Up and Keep Records
Keep copies of all accident-related documents — police reports, repair receipts, and correspondence with your insurance company. Staying organized can prevent delays and disputes.
Pro Tip: Review Your Coverage Before You Need It
Accidents remind us how important it is to have the right auto insurance coverage. Comprehensive, collision, and uninsured motorist coverage can protect you from unexpected out-of-pocket expenses.
👉 Learn more about Auto Insurance in Charlotte, NC.
Protect Yourself with the Right Coverage
No one plans for an accident — but you can be prepared. At All Graham Insurance Solutions, we help North Carolina drivers find affordable, reliable auto insurance that keeps them protected when it matters most.