Accidents can cost tens of thousands of dollars in medical bills and property damage. Fortunately, insurance is available to help you recover your losses. If you are injured or your car is damaged in an accident caused by someone else, you can usually file a claim with that person’s insurance company.
While obtaining someone’s insurance information at the scene is preferable, it is not always possible. There are ways to protect yourself if you are involved in a hit-and-run or the at-fault party refuses to cooperate. Meanwhile, this blog post will show you how to get someone’s car insurance information after an accident.
What Information Do You Need from the Other Driver?
First and foremost, you must determine exactly what information you require from the other driver. It’s not much, and they should have it on hand to keep the process to a few minutes:
- Their full name
- Name and phone number of their auto insurance provider
- Their insurance policy number and date of expiration
- Their vehicle details, such as make, model, color, and license plate number
Before you leave the area, also take pictures of the crash scene, both (and any additional) vehicles, their insurance cards, and their license plates, just in case any of that information was transcribed incorrectly. Obtain contact information from all drivers if the crash involved multiple vehicles..
How to get someone’s car insurance information
While frustrating, there are some actions you can take if someone you’re involved in an accident with is uncooperative. Let’s have a look at them below;
1. Get the police involved
If you were involved in a two-party accident, your first step should be to call the police.
Officers on the scene will usually write a report detailing the incident, including the date, time, weather conditions, vehicle damage, and who was at fault. Hence, you’ll need to obtain that police report number in order to file a claim.
2. Obtain insurance information from the DMV
Suppose the at-fault party refuses to share their auto insurance information. In that case, you can also go to your local DMV to find out about the at-fault driver’s insurance.
You will have to provide the DMV with the reason for your request as well as the driver’s license of the at-fault party. Once you have known who the issuer is, contact the provider and report the details of the incident.
3. Inform your insurance company about the accident
Hit-and-run drivers frequently flee because they lack insurance. Many states mandate that drivers carry a certain amount of liability insurance.
Report the accident to your insurance company if the other driver fled the scene or does not have insurance. If you have collision coverage, your insurance company may reimburse you for the damage, or your insurance company may assist you in locating the at-fault party’s insurance information.
Wrapping it Up
These are some of the ways to get someone’s car insurance information after an accident. In a nutshell, it’s very important to get contact and insurance information from at-fault drivers. Without it, it can be difficult to move forward with a compensation claim. However, with the tips provided above, you should be able to go about it easily. ,
