When something goes wrong, knowing what to do next makes all the difference. These guides walk you through exactly what to do after an accident, storm, fire, theft, or flood — tailored for Piedmont Triad residents.
Select the type of incident below for a detailed, step-by-step recovery guide with NC-specific advice and local resources.
What to do after a car accident in North Carolina
Check yourself and passengers for injuries. If anyone is hurt, call 911 immediately. If the vehicles are drivable and it's safe, move them out of traffic to the shoulder or a nearby parking lot.
North Carolina law requires a police report for any accident involving injury, death, or property damage over $1,000. Even for minor fender-benders, a police report strengthens your claim. In the Triad, call Greensboro PD (336-373-2222), Winston-Salem PD (336-773-7700), or High Point PD (336-883-3224).
Take photos of all vehicles involved (damage, license plates, VINs), the accident scene, road conditions, traffic signs, and any visible injuries. Get the other driver's name, phone number, insurance company, and policy number. Note the time, location, and weather conditions.
Share your insurance information with the other driver but do not admit fault or apologize. North Carolina follows contributory negligence — even being 1% at fault can bar you from recovering damages. Stick to the facts.
Call us at (336) 203-0000 or text us to start your claim. We'll guide you through the claims process, help arrange a rental car if needed, and connect you with approved repair shops in the Triad area.
Track your claim through the mobile app or MyAccount portal. Keep all receipts for medical visits, rental cars, and out-of-pocket expenses. We'll check in with you regularly until your claim is resolved.
The best time to prepare is before you need to. Review your coverage, create a home inventory, and save our number. We're here when you need us most.