If you get in a super minor fender bender, what do you do? how exactly do you exchange information? what information do i need? who do you call? what happens in the aftermath? what if the other person does not have insurance?
2006-07-13 09:25:03 · 8 answers · asked by lauren k 2 in Cars & Transportation ➔ Insurance & Registration
Call the police and have a report filed. Even if you don't report it to your insurance, having the report will protect you both.
If the other person does not have insurance, you can file the claim on your insurance under your Uninsured coverage.
Good Luck!
2006-07-13 09:29:39 · answer #1 · answered by Nysa 3 · 1⤊ 0⤋
First off, NEVER admit fault! If the other driver does, write down anything that they say as closely to verbatim as you can.
Just exchange licenses and insurance forms. Copy down all of the information on both. Also get the vehicle registration and copy down the details -- owner's name and address, make, mode, year, VIN, and tag number. Also get time and date, as well as weather conditions and information about the scene of the accident -- intersection, traffic lights or signs, amount of traffic, etc.
If the other person is missing any of these items, call the police and try to get them involved before the other person leaves. If not, get as much information as possible.
If the other person claims to not have insurance, make note of that fact. Definitely call the police in this situation.
If there are any witnesses, get their names and addresses. Get the names and addresses of any passengers in the other vehicle and ask them if they are injured. Record any answers they give you.
File a DMV report & police report. Even the most minor fender bender usually exceeds the state floor for accident reports these days.
File a claim with your insurance company.
2006-07-13 12:52:02 · answer #2 · answered by Bostonian In MO 7 · 0⤊ 0⤋
I hope you're OK! You should exchange these information: first and last name, driver's license number and state of issuance, insurance name and policy number, VIN for each car, that time and place of occurrence. The police report will have a small space where you can briefly describe how it happened. More information maybe needed in different states, but this should be what you need. Before you do this, you should call the local police department, dial 911 only if it's a serious crash. Since most people don't have the local police number in their speed dial, you can use this number 1-800-FREE 411 (you can also use it for any other business you're looking for) it's a free call unlike regular 411 (but expect rude service from those folks!!). If the other person doesn't have insurance, they won't let you call the police, and if you do and they're there before the person leaves, he'll get a ticket. But as for you, you'll have to pay for your own damage (and for theirs if you're at fault).
I hope this helps :)
Good luck.
2006-07-13 09:38:06 · answer #3 · answered by American Wildcat 3 · 1⤊ 0⤋
trade contact information and license information. Call your insurance....if you want to file a claim under your uninsured motorist provisions...but if it is super minor it does not sound like a wise thing to do as your insurance rates could go up. If the other person refuses to pay, you will need to take them to small claims court. Protect yourself today incase you do need to file a suite by filing a police report by going down to the police station, take lots of pictures and get at least 2 estimates for repair from a body shop.
2006-07-13 09:30:16 · answer #4 · answered by bobsled 5 · 0⤊ 0⤋
if the other person doesn't have insurance then you're screwed. If you want to go through insurance though, get their name, number, address, tag info and call your insurance company. oh and make sure someone calls the police to have a report.FYI, if you let someone else drive your car even if they have their own insurance your insurance goes up as well. my brother drove my car a week ago and it went on both of our insurances but it was the other guy who was going too fast but he was a minor and had just got his license and they blamed it on him not the 70 year old blind man-lol oh and the other guy admitted he saw my bro and thought he could go around. also think about if you have full coverage or not.
2006-07-13 09:33:32 · answer #5 · answered by chickie27 2 · 0⤊ 0⤋
First you call the police, second, you call your insurance, third you exchange insurance information with the other driver.
Remember to never admit to being at fault.
If the other person does not have insurance then they probably will get a hefty fine. You will probably have to get your vehicle repaired through your own insurance.
2006-07-13 09:29:26 · answer #6 · answered by Thomas G 3 · 0⤊ 0⤋
once the police have arrived and taken there reports, call your insurance agent and let them handle it.
2006-07-13 09:28:04 · answer #7 · answered by Maggie O 2 · 0⤊ 0⤋
go to the doctor
2006-07-13 09:28:16 · answer #8 · answered by Anonymous · 0⤊ 0⤋