What to do if you didn’t get any insurance information after an accident?
If you were recently in an accident but didn't get any insurance information from the other driver, you can file a police report and use their license plate information to track them down. If you were in a hit-and-run car accident with no insurance information exchange, file a police report and use witness testimony to try and find the other driver. Unfortunately in this case, your insurance will cover your costs, which can increase your auto insurance rates even if you weren't at fault for the accident.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Aug 9, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 9, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
If you get into a car accident that isn’t your fault, then the law is on your side. This is the purpose for car insurance and it should then follow that the driver that was to blame will pay for the damage and for any medical costs through their insurance. It is a legal requirement that drivers should have insurance and therefore you should be able to safely presume that the other party will have the available funds to pay for the damage and you should be able to get back onto the road and afford any medical costs without any personal financial loss.
But of course it doesn’t always work like that. For example, what happens if you are in a car accident and the other person drives away? What if you are the victim of a hit and run?
In these cases, you won’t be able to get the costs paid by anyone else and you’ll be left to deal with them. This can be a very frustrating and upsetting experience as you now not only have the shock and trauma of being in a car accident but also the stress and inconvenience of having to pay for damage that was not your fault and that may have been outside of your control.
So, what do you do?
Your Rights As A Driver
If you have been in a car accident and the other driver did not stop to exchange details, then that is technically classified as a ‘hit and run’. This is an infraction and means that the other driver will face charges if they are eventually caught.
A hit and run is any kind of accident in which one party intentionally leaves the scene without providing contact information. If they haven’t stopped to ask if you are alright and to offer to exchange insurance details/contact information, then they have broken the law. Even if the accident was your fault!
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
The First Steps After Getting In An Accident
The first thing to do if you are the victim of a hit and run is to assess the local area and to see if there is any information that can help you to catch the culprit.
First, assess your own memory. Can you remember the make and model of the vehicle? Do you remember what the other driver looked like? Write down these details while they are fresh in your memory and it may improve your chances of tracking down the driver. Police may be able to narrow down potential culprits by looking at who is in the local area and drives that car. Of course, if you can get a number plate down on paper then that will be even better.
Read more: What happens if the other driver doesn’t have insurance?
Another good idea is to get out the car (making sure it is safe to do so) and see if there were any witnesses who might be willing to give a statement. Ask if they saw the number plate and ask if they would be willing to give you their contact details to help you catch the culprit. If it ultimately comes down to your word against theirs in a court of law, then this could help sway the decision in your favor.
Likewise, try to look for any other evidence. Skid marks on the road and the nature of the damage to your car will help you to demonstrate what happened (even when you catch the driver, that doesn’t mean they will admit fault). Better yet, try going into local stores in the area and asking if they have security camera footage that they would be willing to let you use. These days there is almost always some form of security camera or CCTV in built-up areas and even motorways will often have recording devices in place.
One thing you must never do is to try and pursue the person who hit you. If you do this, then you risk causing further accident and you will lose the opportunity to follow the steps outlined.
Getting Compensation After The Hit-And-Run
Following this, you can then file a police report. The police will then be able to use the information you have given them and any other details in order to try and track down the guilty party. From here, you may be able to get compensation from the driver either through their insurance, or out of their own pocket (if they don’t have insurance). Even if they aren’t successful in apprehending the culprit, simply having a police report on file can help you legally in a number of ways.
For example, there is a possibility that your current car insurance policy will include ‘uninsured/underinsured motorist coverage’. This will cover hit and run accidents in many cases and that means you will only have to pay the agreed excess. In some cases, this will affect your premiums going forward but in others it will not (this often depends on your state). Check the small print in your contract to be sure. Some states actually require uninsured motorist coverage, so there is a good chance you’ll be protected.
Failing that, you may find that you can get compensation through charitable organizations that support victims of crime. If you have filed a police report, then they may well get in touch with you. Otherwise, you can try looking online to see if you are able to find an organization willing to help.
Frequently Asked Questions
What should I do if I didn’t get any insurance information after an accident?
If you were involved in an accident and didn’t obtain any insurance information from the other party, there are several steps you can take. First, document the accident by writing down as many details as possible, including the date, time, location, and a description of what happened. Take photos of the accident scene and any damages to your vehicle. If there were injuries or significant property damage, report the accident to the police and obtain an official accident report. Try to gather witness information and contact your insurance company to inform them about the accident. Additionally, check for nearby surveillance cameras that may have captured the incident, and consider seeking legal advice if necessary. Remember to gather as much information as possible to protect your rights and facilitate the insurance claim process.
What if the other party refuses to provide insurance information?
If the other party involved in the accident refuses to provide insurance information, you can take several steps. First, contact the police and explain the situation. They may be able to intervene and obtain the necessary details. Document the interaction, including the date, time, and what was said, and ask any witnesses present to provide statements regarding the refusal to provide insurance information. Notify your insurance company about the situation and seek their guidance. If necessary, consult an attorney specializing in personal injury or insurance law for further assistance in resolving the issue. Remember to cooperate with insurance companies and provide accurate information, but take necessary steps to protect your rights if the other party is uncooperative.
Can I still file an insurance claim if I don’t have the other party’s insurance information?
Yes, you can still file an insurance claim even if you don’t have the other party’s insurance information. In such cases, notify your insurance company about the accident as soon as possible. Provide them with all the relevant details, including any evidence you have such as photos or witness statements. If you have uninsured/underinsured motorist coverage as part of your own insurance policy, it may help cover damages and medical expenses resulting from the accident, even if the other party is uninsured or their insurance information is unavailable. Cooperate closely with your insurance company throughout the claims process to ensure a fair resolution.
What role does documentation play if I didn’t get any insurance information after an accident?
Documentation plays a crucial role when you don’t have insurance information after an accident. It serves as evidence to support your claims and protect your interests. By documenting the accident, including the date, time, location, and a description of what happened, you create a record of the incident. Take photos of the accident scene, any damages to your vehicle, and any visible injuries. These visual records can provide important evidence later on. If there were witnesses to the accident, gather their contact information and request statements about what they saw. All of this documentation can help establish the facts and strengthen your case when dealing with insurance companies or legal proceedings.
How can surveillance cameras be helpful if I didn’t get any insurance information after an accident?
Surveillance cameras can be incredibly helpful when you didn’t obtain insurance information after an accident. If there were any nearby surveillance cameras in the area where the accident occurred, they might have captured the incident. Contact the property owners or authorities responsible for the cameras and inquire about obtaining the footage. The footage can serve as concrete evidence of the accident, depicting the sequence of events and potentially identifying the parties involved. Surveillance camera footage can greatly support your case when dealing with insurance companies or legal proceedings, even if you don’t have the other party’s insurance information.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.