Steve Smith, who scored Carolina's first touchdown in the seven-point loss to Miami Thursday, took his first hit before the game began.
He was on his way from the team hotel to the stadium when his car was whacked on the driver's side by another driver, a guy who said he, too, was on his way to the game.
Smith says he could barely open the door.
The other driver asked him if he was going to call the cops.
"Uh, YES," Smith told him.
Smith said that because they were in a nice neighborhood the police came right away. In his Los Angeles neighborhood, more time was required.
Smith said the fan handled the collision respectfully, and that he did, too.
"But I feel bad for his insurance," Smith says.
They parted on good terms, says Smith.
But he says he told the other driver, "If I drop a pass, it's your fault."