In An Accident But Didn’t Get Any Insurance Information. What’s Next?

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!

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.

after car accident no insurance information

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.

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  Comments: 37


  1. I worked for a car dealer ship. I went with a customer to test drive a car. While we were out; we got into a car accident. The car was totalled. I had to take two days off due to minor injuries. The.company I worked for.would not give me the insurance information. How can I get the ifo I need. I have the claim number.

    • Christina@4AutoInsuranceQuote


      Hi Victor, Sorry to hear about your car accident! This sounds like more of a workers compensation insurance claim since you were injured while in the course of doing your work. Did your manager or Human Resources representative have you fill out any paperwork regarding the accident & injuries? Did they discuss the accident with you? What was the reason they did not want to provide insurance information? To protect yourself, I strongly urge you to contact a personal injury attorney. You will want someone on your side that can provide personalized advice. Remember, the first meeting is normally a free consultation. In the meantime, you may want to get a copy of the crash report from the police department. The accident report should contain auto insurance information for both vehicles. Hope you are feeling better soon!


  2. My son was involved in a hit n run. My son was on a bike when a work van came out of no where in hit my son n kept going… My son was in a coma for two weeks and now he’s alert with brain damage… What compensation can my son get now even tho they haven’t caught the driver of the work van…. It happened in there county is my son in titled to compensation from the county or what soursce… The state responsible

    • Christina@4AutoInsuranceQuote


      Hi Zina, I’m so very sorry to learn of your son’s injuries. I have many questions for you. Was a police report filed in regards to this hit-and-run accident? If so, getting a copy of the crash report is vital to begin pursuing the negligent party. How do you know it was a work van? Were there witnesses? Or a video camera nearby? Any updates from the police detective assigned this case? Anyway that you can find out which business owned the van? I would recommend you immediately contact a personal injury attorney on behalf of your son. He needs someone looking out for his best interests. Most attorneys retain private detectives that can help track down the culprit which sounds like it is needed in this case. Remember, personal injury attorneys typically do not charge a fee until they are able to secure a settlement for their client. Best of luck to you and your son!

  3. Emma Manzano


    I was recently involved in a car accident, the other driver ran a red light and hit me, i was taken into the hospital and officer said he would collect all info needed. The person who hit me was not the owner of the vehicle but the owner did show up to provide insurance info to my mother who had also shown up at the scene. The officer stated he would get that info and had my mom follow me to the hospital. Officer failed to get info and i have not had any luck obtaining it. My insurance is not cooperating with me as they stated i was not covered because my insurance was not paid on time. How can i get that info. I’m desperate i had just purchased the vehicle and it is getting ready to be sold in an auction. I do not want to get stuck paying 20,000 for a car I no longer have.

    • Christina@4AutoInsuranceQuote


      Hi Emma, I’m sorry to hear of your accident. To clarify, a crash report was filed but there is no insurance information listed for the other vehicle? Is there at least information for the driver and the vehicle owner listed on the crash report? You will need this to begin pursuing any additional action. Normally you would rely on your own auto insurance to guide you through this process. However, it sounds like they are not a reliable source for you. So, once you have a copy of the accident report, I would urge you to contact an attorney with car accident experience. It sounds like you will need legal representation to pursue your claim. Remember, meeting with an attorney for the first time is normally free. He/she will be able to look at all aspects of this situation and tell you what the next step will be. If you are not already, then I recommend you keep in contact with the lienholder on your vehicle so they are aware of what is happening too. Ignoring the lender will not make the situation better. Best of luck!


  4. I was on the passenger seat, my sister was driving to the gas station when the other car backed up on us (really fast like it was on purpose, she was driving and old Honda car). She said she doesn’t have her insurance with her and told us to follow her to her house which we refused to do. They only put hot water on the dent on the bumper and insisted that it should be fine and just wanted to go. We didn’t call the police (it was the first that it happened to us so we didn’t know what to do). The following day we went to the police station to file a report but they said to just call our insurance company because it was not a “hit and run” incident. The person who hit our car still making excuses not to give us her insurance information, so we only have her driver’s license info, her plate number and phone number. We also just noticed a crack near the airconditioner part of the car. We did went to the nearest office of our insurance company but they just gave us a number to call for the claim. It feels like its just going on a loop and no one really is helping us, what should be the best thing to do?

  5. Armando@4AutoInsuranceQuote


    Hi Ann,

    Sorry to hear that this happened to you. It’s possible that the other driver doesn’t have insurance and the only way you’ll likely get a straight answer from them is if you sue. The best thing to do now is to decide if you would like to file a claim through your own insurance company. Consider the cost of the repairs (get an estimate first if you’re unsure) and your policy deductible. I would not recommend filing the claim through your insurer (since it will appear on your driving record) unless the damages greatly exceed the deductible. If you do file a claim, know that gas stations usually have cameras in place and may have captured the accident on video. Which could help the insurance adjuster with their investigation.

    Good luck.

  6. Kat Carpenter


    I was recently in a felony hit-and-run accident where the other driver had to leave their vehicle because mine and theirs were both totaled I did not have insurance and the other vehicle was found to be completely at fault. I have obtained the registered owner’s information from the police report and I want to know how do I go about requesting their insurance information? Please HELP!!


    • I hope you got ticketed for driving a vehicle without insurance yourself. Why would you be driving on the road with no insurance…. stupid! The registered owner of the other car, if the car that hit you was stolen, won’t have any responsibility to do anything for your car. If the owner of the car was also the driver you might have a case if they had insurance. In my opinion you’re a scum bucket for not having insurance!


  7. Hi,
    3 months back i was driving and the guy in front of me stopped so aggressively when he didn’t need to so i hit his back of the car. We exchange names and phone numbers, we take pictures of license plates. No police report was filed. My car was totaled after but i knew it was neither driver’s fault so i moved on. Couple of weeks later, he texts me saying that he wants 2500 for the damages to his car with pictures of bills. We both have different perspectives towards what happened and i let him know that so he said okay so we move on now. Earlier today an independent insurance adjuster leaves a voicemail that he wants to talk to me and get my perspective on what happened, given the other guy’s insurance contacted this adjuster. What should i do next? I know that one wrong move can cost me a ton so i need the help of someone who knows well about the matter. Thanks!

    • Andrew@4AutoInsuranceQuote


      Hello,
      You should always get a police report in a situation like this, even if you don’t think you need to. The police report will serve as the primary source of information as to what happened and who’s fault it was.
      At this point, all you can do is talk to your insurance company. Part of an insurance policy is called “waiver of subrogation”, which basically means that in return for having insurance coverage, you also give up your right to collect money and be involved in these transactions.
      So, I would advise you to tell the adjuster that it wasn’t your fault and talk to your own insurance company. If the other guy threatens to sue, your insurance company will pay for and deal with that.


  8. I got into an accident where the driver behind me rear ended me. The only thing we exchanged were phone numbers. I’ve been trying to call her for the past couple of days to get her insurance information but she’s been ignoring me. I know where she works but I don’t want to cause her any trouble at her place of buisness. What should i do?

    • Andrew@4AutoInsuranceQuote


      It’s always critically important to get as much information as you can right there on the spot, as well as call the police to get a police report. This can be uncomfortable since you don’t want to make the other person feel worse or make them upset. However, you need to take down all their information and get a police report if this happens again.
      In this case, you can call your insurance company and talk with the claims adjuster. They might be willing to go to her work and get her information. If not, then you will need to go. Just politely ask to speak with her for a few minutes and explain that you’re filing a claim and that you need her full name, address, and insurance information.


  9. I recently got into a car accident and the police showed up. It was 100% the other person’s fault but i forgot to get their information (i know smh). I don’t know if the police officer got their insurance and i have to wait up to 10 more days to get the police report and my car is sitting at the tow yard racking up fees. I’ve tried to get in contact w/ the officer too. I just don’t know what to do and i need her insurance.. i don’t want it to be too late.

    • Andrew@4AutoInsuranceQuote


      It’s good that you got a police report, although that 10 day waiting period is frustrating. If there is a police report, then you can be sure that the police officer got the other person’s information, if they have insurance.
      If your car is racking up fees and you need it, then one option is to just pay the money yourself and tell the insurance company what you’re doing. If the other person was 100% at-fault, then your insurance company will pay you the money, and then they will get all of that money back by going after the other person’s insurance. If they don’t have insurance, you’ll need to go through your own company anyway, so doing it now can save you time.


  10. Hi

    My parked car was hit by another motorist during the night. I woke to a note on my car and their phone number. I sent them an estimate for car repairs and they will not send me their car insurance information. What do I now? I have their names and numbers but that is all. Should I contact my insurance company with that information? This has been going on for a week now and I have not gotten their insurance information from them

    • Andrew@4AutoInsuranceQuote


      Yes, you should absolutely give that information to your insurance company. They will take care of finding out their information and handling the claim. If you want to go ahead and fix your car, then you can turn that claim in on your own policy. A hit-and-run situation is ideally covered under Uninsured Motorist’s Property Damage, and often there is either a $0 deductible or a $250 deductible for that. If you don’t have that, then you can collect under your Collision coverage, although your deductible will probably be higher. If you only have liability on your car, then you’ll need to pay the repairs out of pocket and hope your insurance company can collect the money from the other driver.


  11. My pick up truck got hit in my house I was parked out in the street and someone else hit my truck I got the police report but I don’t have the person car insurance information how do I get it

    • Andrew@4AutoInsuranceQuote


      If it was a hit-and-run situation and the other person didn’t leave any contact information, then you won’t be able to get their information. These situations are the reason that insurance companies offer Uninsured Motorist Property Damage. This coverage applies when your vehicle is damaged by another car that either doesn’t have insurance or drives off, like in a hit-and-run. Usually, it comes with a $0 deductible, but you may have a slightly higher deductible. If you only have liability-only on your vehicle, then, unfortunately, you won’t be able to get money for this claim and will have to pay for the repairs out of pocket.


  12. Hi all,

    Was involved in my first accident the other day. a pedestrian was crossing so I was stopped at a light letting the pedestrian pass and a trick hit the back of my car–basically leaving a big dent a small hole underneath the trunk…basically just body damage. Technically the driver stopped…I asked the driver for contact info but he did not give it to me and I did say I’m not worried about it too much–but was not sure what to do after that. This happened 4 nights ago….what steps should I take now?

    • Andrew@4AutoInsuranceQuote


      Having your first accident is a nerve-wracking experience. However, it’s critically important to always get the other person’s name, number, and insurance information. For most accidents, you also should call the police so that you can get a police report, even if the accident is minor. Police reports serve as the primary source of information as to what happened and are used by insurance companies and force the other person to give their information. If they are unwilling to give you their information and leave the scene before the police get there, you’ll want to get their license plate number and type of vehicle and give that to the police.
      If you don’t do any of these things, then you will have to use your own insurance policy to pay for your damages or pay for it out of pocket.


  13. I was rear ended. Very minor damage done. I did get the other drivers phone number who agreed to pay but hasn’t been returning my calls. He has responded to a few texts agreeing on a certain amount to just pay me instead of fixing the car. I haven’t recurved any money. This is in TX. Is there anything I can do?

    • Andrew@4AutoInsuranceQuote


      The only thing you can do at this point is to keep asking him and try to find out his name and address. If it happens again, this shows the importance of getting more than just a phone number from the other driver, especially if they are at fault. It’s critical to get their name, address, number, and insurance information (the company they’re with and policy number). It’s also important to get a police report so the other driver is forced to give their information. Without those things, the other driver has no incentive to pay you for your damages because he knows you don’t have any of his information.


  14. I was at a stop light and rolled the car a little and accidentally bumped the car in front of me. We pulled over, didn’t see any damage, exchanged numbers and left. 2 days later she text me saying the was a little damage to the car, which was a rental. She is requesting for my insurance info. This happened in los angeles, California

    • Andrew@4AutoInsuranceQuote


      The best thing to do would be to give her your insurance information. If you were the one with the damages, you would want the other driver’s insurance to pay, so it’s best to give her your information. Another option would be to ask her how much the damage is. If it’s not too much and you can afford it, then you could offer to pay for her damages out of your pocket, which would prevent your insurance company from raising your rates due to the accident. Either way, you should definitely respond to her.


  15. I just rear ended someone today, we didn’t called the police but she asked for my insurance only and not even my phone number. The damage is just a very small dent like not even noticeable. Will my insurance go up and how much would they charge me?

    • Andrew@4AutoInsuranceQuote


      It’s hard to say exactly how much your insurance will go up, but yes it likely will go up once your policy renews. How much it goes up will depend on many things, such as your previous driving history (whether you’ve been in multiple accidents in the last 3-5 years), your type of vehicle, your location, and even your credit score. It will depend on that and how much the damages are to her car. If the damages were minor, that can only help. When your policy renews, call your insurance company to see if there is anything you can do to lower your rates.


  16. I got into an accident and I was so scared and nervous that I cudnt take other persons information and they even give me wrong no to call. What to do ?

    • Andrew@4AutoInsuranceQuote


      If it was the other person’s fault and you didn’t get their information, then you will have to either go through your own insurance company to fix your damages, assuming you have Comprehensive and Collision coverage, or you’ll need to pay it out of pocket.
      Without the other person’s information, unfortunately, there isn’t anything you can do to get them to pay for it. If you don’t have full coverage on your car and you just have liability, then the only option would be to pay for your damages out of your own pocket. If at all possible, try to get the other person’s contact and insurance information the next time you’re involved in an accident.

  17. Christopher Thrift


    Yes I was in an accident. I was rear ended.i have a collison report but I just totally forgot to get other parties information.his name and address is on report but not phone number

  18. Bryan Villatoro


    Hi,
    today my Gf was involved in a crash but she was in a shock because it was the first accident she’s ever been in, it happened while doing a u-turn and the car next to her wasn’t supposed to do a u-turn but last minute decided to do one. Well, my gf gave him the car insurance of her stepdad since she’s not in the insurance yet. She, however, forgot to ask him for his license and insurance but she does have his number. She was the one that got hit but the guy called the insurance and said that my gf was the one that hit him and made it sound like it was a big accident. What can we do? please may i get an answer asap

    • Andrew@4AutoInsuranceQuote


      Hi Bryan,
      Unfortunately, there isn’t a whole lot you can do at this point. The critical thing that your girlfriend didn’t do was call the police. People are afraid to call the police after an accident because they think they will get in trouble, but the police simply try to verify what happened and get the accident documented. They would’ve talked to the other person and filed their report, which your insurance company can then use.
      At this point, you could try to still file a police report and hope to get something in writing. If you have damage that would prove that it couldn’t have been her fault, that would help also. At the very least, she shouldn’t admit fault or be pressured into doing so from the other person or his insurance company.


  19. My husband was involved in an accident where this kid lost control of the car and spun out of control over the grassy median and ending up hitting my husband on the other side of the road on incoming traffic. The police was called and we finally got a copy of police report. On the report was all the driver’s insurance and contact info. We hired a lawyer to handle the case. The lawyer is now telling us the company is telling him the driver was not on the policy and was not insured and to file the claim with our insurance company. My question is wouldn’t the other insurance company still be liable for the damages and why didn’t the police know the person driving didn’t have insurance at the time of the accident?

    • Andrew@4AutoInsuranceQuote


      Hi Latisha,
      The police don’t look into all of those little details in their police report. The main thing they do is document what happened, which can help determine who was at fault. They will document the driver’s information and the vehicle’s insurance information, but they wouldn’t know if that driver was listed as a driver on the policy or not.
      But you are correct, the other person’s insurance should still pay. It sounds like the other person’s insurance company is trying to fight to pay the claim, which unfortunately is normal. Unless the kid stole the vehicle, then the owner of the vehicle likely knew about it and gave him permission to drive, at which point the owner’s insurance would cover any accidents.
      Lastly, your insurance company would normally deal with these things, saving you the expense of having to hire your own lawyer.


  20. Hello,

    I was recently in an accident and made a police report. I just picked it up but for some reason they officer did not list their plate number or insurance but did list mine. How can I obtain the other parties insurance information? I have their name, license number, and address. Thank you in advance.

    • Andrew@4AutoInsuranceQuote


      Hi Vanessa,
      The first thing you should do is give this information to the insurance company. They probably already have it, but you should just double check with them and make sure. You can also ask them about the situation. It’s possible they are finding out this information already, so you wouldn’t have to worry about it. Generally, the insured doesn’t have to do anything in these situations, the insurance company handles everything behind the scenes, they just don’t have to provide updates to you.

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