Forgot to Exchange Auto Insurance Information?
Here’s What to Do
Car accidents can happen in the blink of an eye, and even accidents resulting in very minor damage can be distressing. While most Nevada drivers know what they should do in the event of a collision, it’s not unusual for drivers to neglect to exchange important contact and insurance information.
Unfortunately, failing to collect the other driver’s personal information and provide them with your own can delay the claims process. On top of that, in Nevada, leaving the scene of an accident without providing personal information is technically a hit and run, which could result in criminal charges. These charges could lead to a fine, loss of your license, or even jail time, depending on the extent of the damage.
What Information to Exchange After a Car Accident
Nevada law requires that all drivers stay at the scene of the accident, even the driver that isn’t at fault. Following a collision, you and the other driver(s) involved should exchange key information, including:
♦ The name, address, email, phone number and insurance information of each driver involved in the collision
♦ The license plate numbers of all vehicles involved
♦ The location of the accident
♦ The name and badge number of each police officer on the scene
♦ Information related to any first responders on the scene
♦ Contact information for any witnesses who are willing to provide an account of the accident
If any other information is needed by your auto insurance company or by law enforcement, that information should be fairly easily obtained as long as you have this basic information.
When the Other Driver Leaves
If the other driver has left the scene of the accident without providing their information, the first thing you should do is record anything you can remember about the vehicle, such as its color, make and model. Take pictures of your surroundings, especially any skid marks or damage to your vehicle or anything else that may indicate the nature of the accident. If you’re near any stores, find out if they may have any security footage that could help track down the other driver.
When the Other Driver Refuses to Talk
Unfortunately, there’s always the chance that the other motorist involved in the collision could refuse to provide you with the information you need, especially if they are uninsured or afraid of exceeding the maximum limit of points on their license. In most cases, rather than engaging with the other driver and escalating an already stressful situation, it’s generally best to simply call the police and let an officer obtain all of the necessary information. If possible, you should try to get a picture of the other driver’s vehicle and license plate number.
Contact Your Nevada Insurance Enrollment Auto Insurance Agent
After you get back home, it’s important to let your Nevada Insurance Enrollment auto insurance agent know about the collision. Be ready to provide any information that you were able to collect, and we can guide you through the claims process.
Recent Posts
Health Care Sharing Ministry; Is It Right for Me?
Although once considered a fringe option for those unable to or uninterested in purchasing traditional health insurance, Christian ministry programs have experienced a surge in popularity in recent years, adding millions of subscribers.
Auto Insurance For Unique, Exotic, and High Performance Cars
If you own a unique, sports, or exotic car, your driving habits are probably considerably different than most drivers. It makes sense, therefore, that your auto insurance coverage should be different as well. Your auto insurance company uses a vehicle’s make, model, horsepower, size, weight and number of cylinders to classify it as a sports or exotic car.
HRA vs Employer Sponsored Health Insurance
An employer-subsidized plan is a sensible option for employees. Not only does the employer pay at least 50% of the employee’s premium, but the remaining premium is tax-free and taken directly from the employee’s pay.
