Risks of Agreeing Not to Exchange Insurance Information After an Auto Accident

You might be confused and unsure of what to do after an auto accident. It’s easy to skip steps and forget to get all of the information you need to file an insurance claim later. In some instances, the other driver may try to get you to agree not to exchange insurance information. They may attempt to convince you that they’ll pay for your damages out of pocket or your own insurance company will foot the bill. However, this is a mistake.

Here are some risks of agreeing not to exchange insurance information after an auto accident.

Your Insurance Company May Deny Your Claim

If someone else is at fault for your crash, they are liable for your damages. South Carolina is a “fault” car accident state. That means that they are responsible for paying for any losses you have as a result of the crash that they cause. If you don’t get car insurance information from the at-fault driver, you may not have enough information to file a claim.

Even if your insurance company covers your damages, they will want to recover their costs from the at-fault driver. Without insurance information or appropriate contact information from the other party, they may not be able to do that. As a result, they may deny your claim because you failed to obtain necessary information from the other driver to cover your damages.

The Other Driver May Give You False Contact Information

drivers exchanging information after an auto accident

If the other driver does not show you their insurance card and give you the name and policy number on their card, then they may also give you false contact information. If you don’t have any personal information about the at-fault driver, it may be impossible to track them down and recover the money you deserve for medical costs, lost wages, and other damages.

You can prevent this by taking a picture of their driver’s license, calling the police to make a police report, and taking a picture of their license plate and motor vehicle. All of this information can help you track down the driver or vehicle owner even if they refuse to exchange insurance information with you.

You Will Not Be Able to Get a Complete Accident Report

While you should always call the police so that they can complete an accident report at the scene of the accident, it is possible for the drivers to submit a report after the crash. In fact, you are required to submit a car accident report in most car wreck situations.

If you don’t have insurance information from the at-fault driver, you will not be able to complete the report with all necessary information so that the police can find the at-fault driver and hold them accountable.

Experienced Greenville Car Accident Lawyers Can Help You

Ryan Montgomery Law has compassionate car accident attorneys who can help you with an insurance claim after a wreck. Even if you failed to get all of the insurance information from the other driver, we can gather as much evidence as possible and help you get money to cover your losses. Call us today at (864) 207-4927.