If you didn’t get the other driver’s insurance information after a car accident, you should file a police report and report the accident to your insurance company. If you have the other driver’s personal information like their name and license plate number but not their insurance info, the police will be able to help you track it down.
Although not having the other driver’s information can make the insurance claims process more complicated, especially if you’re not at fault, you still might be protected by your policy.
What To Do If You Don’t Get The Other Driver’s Insurance Info
- Call the police and file a report. You’re only required to do this if there are injuries or significant property damage, but a report is always important when filing a claim.
- Write down as much as you can remember about the details of the accident and the driver’s car. This includes the make, model and license plate number.
- Report the accident to your insurance company as soon as possible. Even if you’re at fault, you need to let them know in case the other driver files a claim.
Filing a police report is crucial because the authorities might be able to locate the other driver based on what you remember. If they’re identified, then their insurance will pay for the damage if they were at fault. But if not, your insurance will have to pay. If you carry collision coverage, uninsured/underinsured motorist coverage, or personal injury protection (PIP) coverage, then your insurer will pay for your costs. However, this will likely cause your premium to increase slightly.
Finally, it’s important to point out that it’s possible the other driver might outright refuse to share their information with you. If you find yourself in this scenario, then you need to keep calm and wait for the police to arrive. Escalating the situation will only make things worse, and the police will take down everyone’s information to include in the report.
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