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.

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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.​

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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.

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Personal Auto Insurance vs. Commercial vs. Rideshare

Determining if you can use a personal auto insurance policy or that you should get a commercial auto insurance policy can be tricky. Sometimes you can buy a personal auto policy for business use and can be enough for some businesses. But if you are required to cover high liability coverage, have an unusual vehicle to insure, haul equipment, are a taxi or rideshare driver, you are probably going to need commercial auto insurance or special endorsements and coverages.

Personal Auto Insurance vs. Commercial vs. Rideshare

No Qualified Health Plans in 14 Nevada counties for 2018

The Division of Insurance (DOI) stated that Nevada’s insurance carriers have decided to only offer coverage to Clark, Washoe, and Nye counties beginning in 2018. Nevada’s Exchange actively exploring potential solutions and resources for consumers facing limited to no coverage options.

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Car In Storage? Don’t Cancel Your Auto Insurance!

If you have a car that you are just storing, or if you’re planning to leave your car here in the U.S. while you leave the country, or if you just don’t drive the car and don’t want to pay for auto insurance, here are some tips to consider before doing so.