There's a couple of things to think about here. One, if the at-fault driver offered to pay for the damage out of pocket rather than involve an insurance company and you do not want to do this, you are not obligated to. You can request his insurance company and go from there. If they refuse, you can call the policy. It is required in North Carolina
to have at least liability coverage
- which would apply in this situation. Next, if you do not accept the offer of the insurance company is providing, you will have to take legal action. You will want to consult an attorney. Keep in mind, car insurance will only pay to have the damage caused by the accident repaired. If the car is a total loss, the claims adjuster's will pay out what the vehicle is currently
worth, rather than what you paid for it or would cost to get a totally new vehicle. Here
is more information on what to expect when filing a claim - including information regarding how to dispute a claim's loss payout. Good luck and if you have any further questions, don't hesitate to ask.