What to Do If Someone Does Not Share Insurance Information at the Accident Scene?
Drivers involved in an auto accident should exchange vital information with each other right at the accident scene. However, some drivers refuse to give their insurance information because of particular reasons. That could be a problem because you need such details to make a compensation claim.
Fortunately, there are steps that you can take to get the other driver’s insurance details. You can then call a Burbank auto accident lawyer to file a case.
Call the Police and Tell Them about the Situation
Calling the authorities is the best thing you can do when the other driver refuses to give you their insurance details.
The police will ask for essential information like your name, contact info, and insurance details from you and the other parties. In addition, they would gather enough information from the scene, like contributing factors to the accident, road condition, time, and date.
You can, after this, ask the police for their police report and other driver’s information.
You can then use the collected information to file a car accident case. However, remember to avoid talking with the other driver’s insurance provider directly. Hire a Burbank auto accident lawyer beforehand to guide you.
What If the Other Driver is Uninsured or Underinsured
There could be several reasons why a driver will not give you their insurance information. One of them could be that they are uninsured or underinsured.
An uninsured driver does not have any insurance coverage to pay for car accident compensation claims. On the other hand, an underinsured driver has insufficient insurance coverage to pay the compensation.
In such a case, there are two options that you can take:
1. Claim Compensation from Your Car Insurance Carrier
The California law requires that all drivers get Uninsured or Underinsured Motorist Coverage.
The uninsured motorist coverage applies when the other driver does not have car insurance. In this case, your insurance provider bears the expenses for your injuries and damages.
On the other hand, underinsured motorist coverage applies when the other driver’s insurance can’t cover the whole compensation claim. Your insurance coverage kicks in when the other driver’s insurance reaches its limit.
However, remember that these insurance policies have a particular amount cap for each claim. Your insurance provider is also likely to conduct a separate investigation to determine the amount you deserve.
Call a car accident attorney if you feel that your insurance provider is trying to make you settle for lower compensation.
2. File a Case Against the At-Fault Driver
The next option you have is to take legal action against the other driver. That means filing a case in court to get the compensation you deserve.
However, this choice is an arduous one, especially when you need a high compensation amount. That is why you should hire a competent attorney to represent you in court.
You have to prove that the other driver is at fault to maximize your compensation.
Remember that California uses pure comparative negligence to determine who is at fault in a car accident. It means you and the other driver may have to share accident liabilities, and you accordingly receive some compensation.
Hire a Burbank Auto Accident Lawyer to Handle a Difficult Car Accident Case
These steps help when a driver refuses to give you their insurance information after a car accident.
However, you can always call a Burbank auto accident lawyer if you still need assistance.