Do I have to tell insurance about accident?
Should you tell your insurer about an accident? Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened. But make it crystal clear that this is for ‘information only’ and you don’t wish to make a claim.
Is an uninsured driver automatically at fault?
An unlicensed driver will not be deemed at fault merely because they are unlicensed. For example, if you rear-end a vehicle driven by an unlicensed driver, it will still be you (or your insurer) who is at-fault and therefore liable to pay the damage to their vehicle and any claim for injury compensation.
What to do if a driver refuses to give you insurance information?
Call the Police. Most states require you to report all accidents either by filling out a report of the accident after the fact or going directly to the station. If the driver will not provide you their insurance information, call the police.
What to do if someone won’t share insurance information?
The other driver cannot refuse to provide certain information when the police request it, so you simply need to be patient and wait for the police to get the information you need. Make sure to inform the police officers that the other driver refused to share his or her insurance information, so they know that they will need to pass it along to you.
What to do if you get hit by an uninsured driver?
If you are unfortunate enough to be hit by an uninsured driver, you will need to review your insurance policy to determine whether you have uninsured/underinsured motorist coverage. If you do, you may need to file a claim with your own insurance company. You will need to file an uninsured motorist (UM) claim to recover compensation for your losses.
What to do if someone refuses to document a car accident?
If you are physically capable of documenting the accident scene with your smartphone, digital camera, or even pen and paper, do so. This way, if the police officer does not show or if he or she does not document the accident in as much detail as necessary, you will have your own records.
