Didn't file a police report (stupid I know). I dunno what I was thinking.

He merged into me (he was changing lanes - I was moving forward at <1mph), I dinged his rear passenger door (on the side opposite of the door handle near the hinges - door function is fine).

There are just scratches on my bumper, his rear door is dinged in.

What are the likely scenarios with my insurance?
Can you file a police report after the fact?

I forget what the $ limit is before my insurance goes up.

1/1/2008 12:20:11 PM

If it is determined to be your fault, I think it's one insurance point if it's more than $1000 in damages and a max of 3 points for more than $3800 of damage. 3 points on your insurance is a 65% increase in your rates.

[Edited on January 1, 2008 at 12:23 PM. Reason : :]

1/1/2008 12:22:18 PM

I'm not positive it's the same way in North Carolina, but I once had a fender bender on my way to the airport in Georgia and didn't have time to call the cops, so I filed one when I got back. You have to go to the police station and then it's pretty much the same things they ask you if you'd filed it at the scene. Not sure what time limit you have to file, but I did mine 3 days later.

1/1/2008 5:33:38 PM

If you call me the next day I will do a ops report for you but no dmv report sorry. officer is gonna need see damage on both vehicles before he files a report if you can find one that will do it for you.

1/1/2008 7:05:16 PM