"There is a sign that says right turn signal in the far right lane and 2 additional lights for the 2 left lanes. The two lanes are green and the right turn signal is red (next will turn into green arrow, then yellow arrow, then plain red again). You have to wait for the green arrow regardless of what the other two lanes have right?"
The law of it varies so consult someone in the know for your location, but the general rule is that a right turn signal acts like a regular traffic light, so if right-on-red is legal in your area then turning right on a red arrow is often allowed after a stop (but again, check with a lawyer/officer/whoever to be sure). The advisory is that if there's a separate traffic signal it's usually because there's a need for the extra traffic control, so be very cautious and look every direction. When in doubt, do what's safe which is usually waiting for a green signal.
"There was an accident right in front of my house (frankly I'm surprised it took this long...) during rush hour yesterday morning. Who is supposed to call it in, and who are they supposed to call? (I called 911, but I'm pretty sure the driver did too though it was too late for me to hang up)."
There's no established rule for who calls in an accident, and if you call in and there are already other reports the 911 operator will usually let you know that and will release your call. So you should always call if you think there's a need for emergency services. For a fender-bender, you might want to call the non-emergency police number instead, but if there's any doubt call 911 without fear.