Car accidents are upsetting. If you have one, then it is your legal duty to report it to your insurer regardless of whether you were at fault or not. In some cases, there might not be another party involved. Maybe you swerved into a bollard or scraped your car’s bodywork along a wall, for example? In such cases, you only need your own details, such as your policy number, to report the incident.
However, if there is another driver involved, such as when two cars collide, then you should ask him or her for their insurance details. This is so that your insurer and theirs can sort out the liability and come to an amicable financial settlement. Nevertheless, some drivers may fail to obtain these details. This might happen because you panic, because you don’t feel safe or because you simply forget. At Got2Insure, we understand that drivers can sometimes freeze in the moment. What should you do if that happens to you?
Dealing With the Absence of Other Driver’s Insurance Details
When you have collided with another vehicle, you should find a safe place to stop and exchange details. This means making a note of their car’s make and model, asking for the name of the driver and taking down the policy number and insurer provider. Exchanging contact details – a phone number or an email address – is also a good idea. If the other driver in a car accident won’t give their insurance details, then don’t panic. There could be a number of reasons they don’t want to exchange details although the law states that they should. Stay calm if they’re point blank refusing to hand over their insurance details. Getting angry could make the situation worse. Call the police in this type of situation. It is for them to handle, not you.
Of course, one thing you can do is to take a photo of the incident. Only do this when you are no longer driving unless you have a dashcam automatically recording images for you. Ideally, you’ll want to capture the face of the other driver and the license plate of their car so they can be identified. Failing this, ask anyone who is nearby if they saw the incident and get their contact detail. They could be useful as witnesses. Make a note of everything you remember of what happened. This might be who manoeuvred and when or even the colour of the other vehicle involved as well as any digits you can remember of their registration number. Write this down to refer to later.
What Should You Do If the Other Motorist Simply Drives Off?
Unfortunately, so-called hit-and-run incidents occur on British streets almost every day. This is not so much a case of when the other driver won’t give their insurance information to you as them trying to avoid giving you any personal details whatsoever. Under these circumstances, noting down what you can recall is even more important. Some insurers will not offer the level of cover you might need for a hit-and-run incident, so it is worth making sure your policy covers this eventuality. Look for a policy that specifically includes clauses about coverage for incidents when the other party flees the scene since some standard policies don’t have them.
What About Uninsured Drivers?
When you are in a car accident and at fault and the driver has no insurance, you should still take action. You will still need to report the incident to your insurance company and admit to them it was you who caused the incident even if the other person was driving illegally without insurance. If you are in a car accident when the at-fault driver has no insurance, then it is still important to collect their personal details. Note down the make, model, and license plate number of their vehicle and get their name, address, and telephone number. This is because you won’t be able to make an insurance claim against them – they’re uninsured, after all. Instead, they will need to be pursued in a civil action through the small claims courts to recover the money due to you from the incident. Call the police, too, since they may charge the other driver for driving illegally anyway.
Looking for an insurance firm that will look after you if you are involved in an accident involving an uninsured driver or when you fail to get the other driver’s details? If so, why not check out the policies on offer from Got2Insure?