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Getting into a car accident is stressful enough without having to deal with an uncooperative person. however, if the driver refuses to provide you with their insurance information, there are still several options available to you, and you can even hire an attorney to help you search for a hard-to-find driver. the question is why wouldn’t someone cooperate in the first place?
reasons for not providing insurance information
There are several reasons why a driver would refuse to provide insurance information, such as:
- does not have insurance.
- drives a stolen car.
- you are driving someone else’s car without permission.
- had been drinking alcohol.
- Your license is suspended.
- You already have too many accidents on your record.
- has high insurance premiums due to previous accidents and/or violations.
repercussions for not providing insurance
Repercussions depend on the reasons the other driver failed to provide insurance. If the driver refuses to show insurance information because they are uninsured, they could be subject to significant fines.
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some states even impose administrative or criminal penalties. almost every state will impose fines of hundreds or thousands of dollars. Additionally, in most states, the Department of Motor Vehicles will impose penalties, such as revocation or suspension of your license for a period of several months to a year. Criminal charges can be filed if the driver was drunk and you were injured.
things you can do
call the police
Most states require you to report all accidents, either by completing an accident report after the fact or by going directly to the station. If the driver doesn’t give you his insurance information, call the police. this will save you the hassle of filling out an accident report and might even encourage the driver to give you their information.
take identification data
Make a note of your vehicle’s make and model, your car registration number, and any other distinguishing features of your vehicle, such as marks, scratches, or window decals. this will make it easier for the police to locate you.
get your insurance company involved
Many drivers have complained online that they were unable to contact an uncooperative driver after an accident to resolve insurance issues. think about it, why would the driver return your phone call if he fled the scene without giving you his information? The good news is that you really don’t have to go through the trouble.
insurance information is made public. all it takes is bringing the other driver’s license plate number to dmv to locate their identity and carrier information.
If the uncooperative driver tries to leave the scene of the accident, quickly grab your phone and take a snapshot of the license plate number, or write it down on a piece of paper if you have a pencil or paper handy. You should also take note of the appearance of the driver and the details of the accident. the rest can be handled by a lawyer or your insurance company; their interests must be protected.
An important thing to keep in mind in this type of situation is that there may be a good reason why the other driver is refusing to give up their information. there is no reason why you should put yourself in danger. Your personal safety could be at stake if you persist, as they may be willing to do whatever it takes not to provide your data. never push the situation and put yourself at risk; always rely on your insurance agency or attorney for this information.
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