If you are a driver in the Matthews, NC, area, you may have been asked, or perhaps have asked, if you need to call the police following a car accident. What if the incident is just a fender bender? JC Demo Insurance Groups believes informed drivers are better drivers, so here is what you should know about what North Carolina law says about reporting car accidents.

Car accidents involving a death or injury must be reported.

If you are involved in a vehicle accident that results in a death or injury, NC law requires it to be reported to police authorities.

If severe damage occurs.

You may also be required to call the police if severe or significant property damage results. This could include damage to vehicles or property, such as signage, fencing, etc.

If local laws require it.

Local municipalities may require a police report in an auto accident.

If your insurance provider requires it.

Some insurance carriers require a police report to file a claim.

What about fender benders?

North Carolina does not require minor fender-bender accidents to be reported to authorities. However, ensure any information exchanged is accurate and that photos document any damage. Without a police report or filing, recovering damage from another party or insurance company may be challenging.

When practical and possible, report an incident.

There may be times when traffic, workload, or the sheer volume of incidents make reporting problematic. However, if injuries, death, or serious damage occur, incidents should be reported.

Car insurance quotes from JC Demo Insurance Group.

Are you looking to lower your car insurance premiums? We may be able to help. In the Matthews, NC, area, contact JC Demo Insurance Group. We look forward to answering your questions and providing a price quote.