Accidents can be stressful, especially when you’re unsure how insurance works or what your rights are as a driver in North Carolina. From understanding collision coverage to knowing you can choose your own auto body repair shop, having the right information can make the claims process much easier.
At UltraColor Collision & Paint in Wilmington, NC, our goal is to help local drivers feel confident about their insurance options and repair rights so you can get back on the road with peace of mind.
What Collision Insurance Covers
Collision insurance is designed to protect you financially when your vehicle is damaged in an accident. Here’s what you need to know:
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What it includes: Collision coverage pays for repairs, or even replacement, of your vehicle after it hits another car or object. Whether it’s a fender bender in Wilmington traffic, a collision with a guardrail, or damage from hitting a telephone pole, collision insurance helps cover repair costs.
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Not legally required: North Carolina does not require collision coverage, but lenders often make it mandatory for financed or leased vehicles.
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Regardless of fault: Collision coverage applies whether or not you caused the accident, helping you repair your car quickly without waiting for the at-fault driver’s insurer to act.
Your Rights as a North Carolina Driver
After an accident, North Carolina drivers have several legal rights and responsibilities:
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Stop at the scene: Always stop, no matter how minor the accident.
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Exchange information: Share your name, insurance provider, driver’s license, and license plate number with the other driver.
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File a claim: Report the accident to your insurance company promptly. You can file under your policy if you carry collision coverage or with the at-fault driver’s insurer (NC follows a fault-based system).
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Choose your repair shop: Insurance companies may recommend shops, but the decision is yours. That means you can bring your vehicle to UltraColor Collision & Paint for expert collision repair in Wilmington, NC.
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Appraisal provision: If you and your insurer disagree on repair costs, your policy provides for an appraisal process.
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Total loss rules: If repair costs exceed 75 percent of your car’s pre-accident value, state law requires insurers to declare it a total loss and pay the actual cash value (ACV).
What to Do Immediately After an Accident
Protect yourself and your claim by following these steps:
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Stop in a safe place to avoid further accidents.
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Call 911 if there are injuries or significant property damage.
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Exchange insurance and driver information with all parties involved.
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Gather witness details if available.
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Take photos of damage, road conditions, and license plates.
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Notify your insurance company as soon as possible.
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Avoid “gentlemen’s agreements.” Even minor damage can hide bigger issues like bent frames or sensor damage.
How Fault Is Determined in North Carolina
North Carolina follows a contributory negligence rule, meaning if you are found even 1 percent at fault, you may not recover compensation from the other driver’s insurer.
This makes collision coverage especially valuable since it lets you get your car repaired without waiting for lengthy fault investigations.
Repairing Your Vehicle: What You Should Know
Whether you’re filing through your own insurance or the other driver’s, you deserve fair treatment and quality repairs:
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First-party claims: Your insurer pays for repairs if you’re using your collision coverage.
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Third-party claims: The at-fault driver’s insurer pays for repairs. Many drivers still go through their own policy first for quicker service, letting their insurer recover costs later.
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Choosing your shop: From Dodge auto body repair to Mazda collision repair, UltraColor specializes in repairing a wide range of makes and models. We also handle fleet vehicle painting, semi-truck paint jobs, RV repairs, and even boat hull painting near Wilmington, NC.
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Parts: Insurance companies cannot require the use of aftermarket parts unless they are proven equal in quality, fit, and warranty to OEM parts.
If Your Vehicle Is Declared a Total Loss
If repairs reach 75 percent or more of your car’s pre-accident value, your insurer must declare it a total loss.
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You’ll receive the actual cash value (ACV) of your vehicle, not the replacement cost.
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ACV reflects your car’s fair market value in Wilmington and the surrounding areas.
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You have the right to dispute an insurer’s valuation if it seems inaccurate.
Why Choosing the Right Shop Matters
After a collision, it’s not just about restoring the look of your car, it’s about safety, performance, and value.
At UltraColor Collision & Paint, we’ve built a reputation as one of the best auto body and paint shops in Wilmington, NC. Our team combines expert craftsmanship, advanced paint-matching technology, and fair pricing to deliver results you can trust.
Whether you need a bumper paint job, vehicle repaint, or major structural repair, we handle everything from Toyota service in Wilmington, NC to Chevy and Volkswagen collision repairs.
Understanding collision insurance and your rights as a North Carolina driver can protect you financially and legally after an accident. Remember:
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You’re not required to use the shop your insurance recommends.
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Collision coverage helps you regardless of fault.
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If your car is totaled, insurers must pay you the actual cash value.
At UltraColor Collision & Paint in Wilmington, our mission is to restore your vehicle to its pre-accident condition, or better. From Kia auto body repairs to Nissan collision repair services, we deliver precision, professionalism, and peace of mind every time.
Contact UltraColor Collision & Paint today at (910) 796-6838 to schedule your estimate!
WRAL News by Prichard Strong
Stop By Today For A Free Collision Repair Estimate
Many auto body shops have Direct Repair Program (DRP) agreements with major insurance companies. It’s a contract between the shop and the insurance carrier. Insurance companies “prefer” these shops because it helps them manage costs, but it may or may not be in your best interest.
Don’t settle for a “preferred” DRP shop or a dealership’s in-house collision repair shop. UltraColor Collision & Paint will fix your car with uncompromising diligence, detailing it and making it good as new. We have the highest level of certified auto painting and auto body repair training as any other shop.
Free Auto Paint Estimates
UltraColor Collision & Paint provides certified auto painting and bodywork and is a recognized I-Car Gold Class Collision Repair Facility, with I-Car trained Technicians that return your car to the manufacturer’s specifications. We use original parts from your car’s manufacturer to expertly reassemble your vehicle with precision.
Contact us or stop by for a free estimate. Visit us today and see the Platinum Level work and auto insurance claims in Wilmington, NC services that built Jeff Shepherd’s reputation!
