Your complete resource for insurance claims, points calculations, and vehicle valuations in North Carolina
Follow these steps when filing an auto insurance claim in North Carolina
Check for injuries and call 911 if needed. Move to a safe location if possible.
Report the accident to police even for minor crashes. Get the report number.
Get driver info, insurance details, and witness contact information.
Take photos of vehicles, damage, scene, and write down what happened.
Call your insurance company to report the claim as soon as possible.
Schedule inspection and work with adjuster to assess damage and coverage.
North Carolina requires minimum coverage of 50/100/50 (Bodily Injury per person/per accident, Property Damage)
Step-by-step guide for filing home insurance claims in North Carolina
Make sure everyone is safe. Don't enter damaged areas until cleared by officials.
Take photos and videos of all damage before making any temporary repairs.
Report the claim to your insurance company immediately.
Make reasonable temporary repairs to prevent further damage. Save receipts.
Schedule inspection and provide documentation of losses.
Get estimates, complete repairs, and submit receipts for reimbursement.
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Calculate how traffic violations affect your insurance rates
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Impact Visualization
That 8-hour class? It keeps your license but your insurance stays HIGH for 3 full years!
Insurance companies look back 3 years from your renewal date. Mark your calendar!
Your ONLY way to avoid insurance points! One per household every 3 years. Use it wisely - second PJC = BOTH violations count!
Know your car's Kelley Blue Book value before filing a total loss claim
When your car is totaled, insurance companies offer the Actual Cash Value (ACV) - not the dealer retail price. Use this tool to:
The price at a car lot - always higher because it includes:
What your car was worth before damage - based on:
💡 Pro Tip: Insurance pays the Actual Cash Value (ACV), not retail. KBB gives you both values so you understand the full picture and can negotiate effectively.
Important numbers to have ready in case of emergency
911
For immediate medical, fire, or police assistance
919-733-7952
Non-emergency number for accident reports
Important NC-specific resources and requirements for insurance claims
Access accident reports online. Reports are typically available 5-7 business days after the incident.
Get Accident ReportNorth Carolina follows contributory negligence law. Minimum coverage required:
Key time limits to remember:
Common questions about insurance claims in North Carolina
If the at-fault driver is uninsured, you have several options:
💡 NC requires uninsured motorist coverage unless you reject it in writing!
Generally, NO. First offers are typically lower than what you may be entitled to. Consider:
⚠️ Once you accept and sign, you cannot ask for more money later!
Rate increases depend on several factors:
💰 Shop around! Different insurers treat claims history differently.