You are involved in a crash and have notified law enforcement. According to the manual, who else should you report the crash to?
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A.
Report the crash to your insurance company. Correct
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B.
Pay your deductible to your insurance agent that day.
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C.
Mail a notarized damage affidavit to the DMV.
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D.
Request a tow receipt from the responding officer.
The answer is "Report the crash to your insurance company."
The manual says you should also report any crash to your insurance company, in addition to notifying law enforcement. Option B comes from mixing up two different things: reporting a crash to your insurer and filing a claim with a deductible, which only happens later and only if you are using your coverage for repairs.
The traps in the wrong answers
B. Pay your deductible to your insurance agent that day.
The deductible is paid later, if at all, as part of filing a claim, and the manual's point here is notification, not payment. This answer confuses notifying the insurance company with starting a claim and paying the deductible, which are later steps.
C. Mail a notarized damage affidavit to the DMV.
An affidavit mailed to DMV is not on the manual's crash-reporting list, and the DMV form the manual does mention is proof of financial responsibility, which is a different document. This answer mixes the required DMV insurance-proof form with a notarized damage affidavit that no section of the manual asks for.
D. Request a tow receipt from the responding officer.
A tow receipt is paperwork drivers associate with reimbursement, but the manual's reporting step is to the insurer, not a document request at the scene. This answer reaches for a receipt-based reimbursement step that insurance adjusters sometimes ask for later.
This question tests your knowledge of Crash Procedures in North Carolina. Source: North Carolina Driver Handbook, "Crashes," p.78..
Related North Carolina questions
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