April 27th, 2020| Whether you forgot to collect the other driver’s insurance information at the scene, lost it after the fact, or were the victim of a hit-and-run, you might be wondering how to obtain someone else’s car insurance information. The access you have to this information depends on the circumstances. Let’s take a closer look.
How to Get Someone’s Car Insurance Information After a CrashThere are three main approaches to obtaining this information.
- You can exchange information with the other driver.
- You can find basic information by referencing the police report.
- You or your attorney can request the information through a lawsuit discovery process.
How to Get Someone’s Insurance Information if There is No CrashIf there’s no accident, and you’re simply wanting to get someone’s info for some other reason, you’ll most likely be out of luck. The details of a person’s vehicle insurance policy are private, so you won’t get access to this information unless you have a valid legal reason to obtain it.
What Information Should You Gather After a Car Accident?The more information you obtain, the easier the claims process will be. If possible, get the following information from the other driver (and any passengers):
- Phone number
- Insurance provider
- Insurance policy number
- License number
- Registration information
- Vehicle make and model
- License plate number
What if the Other Driver Refuses to Give You Insurance Details?If the other driver refuses to give insurance details, notify the police. The police officer who responds to the scene will have taken their insurance information to put in their report, which means you will have access to the information you need to file a claim.
Does a Police Report Include Insurance Information?Yes, the police report will include insurance information of all the drivers involved in the accident. It will also contain any relevant facts uncovered by the responding officer, including the date, time, weather conditions, crash diagrams, vehicle damage, and any violations of the drivers. In some cases, the police report includes the opinions of the officer. It’s important to obtain a copy of the police report after a crash. The report is an information-rich document that is essential for any claims that stem from the crash.
Getting Insurance Information After a Hit-and-Run AccidentGetting insurance information after a hit-and-run is difficult. If you managed to obtain the vehicle’s license plate number, you can report it to the police. Even if you don’t get the license plate, providing the police with the vehicle type and color can help identify the driver. If you have no information about the hit-and-run driver, you should still notify the police (hit-and-runs are misdemeanor crimes in California) and your insurance company. Hit-and-run victims can often get compensation from their own insurance companies when the identities of the other drivers are unknown. If you’re enjoying this blog, you might also be interested in these resources:
- Does Filing an Uninsured Motorist Claim Affect Your Insurance Rates?
- How to NOT Get Taken Advantage of by Insurance Companies
- Subrogation: Why Your Insurance Company Could Take Your Settlement Money