My wife had an accident where was her fault. She drove into side lane and collided with the other driver’s car. The other driver’s car was fine and no damage, no dent and no scratch. But my car had some scratch.
They both stopped and checked. Because everything was fine to the other driver’s car, so they didn’t call the police. The other driver just asked my wife’s number, wrote down plate number and then left away.
Now the other driver calls my wife to ask for details, like address and insurer’s details.
Q: Should I provide any detail to the other driver?
Q: What if I reject providing her my details?
Q: Can I ask the other driver for her insurance details as well for me to claim?
Thanks for answering my questions.
2006-10-12 05:46:01 · 17 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Your wife should have given her name and insurance details at the time regardless of any damage. The driver is entitled to ask for her name and insurance details definitely cos there might have been damage that was not noticed at the time. Sure there is no need to give address as everything should go through your insurance and nothing should be sent from them to your home address and if it gets nasty they know where you live!
It does sound like the person is going to make a claim which is wrong if there was no damage but unfortunately people claim for everything today so even though there was no damage, they can still 'create some!' or they can miraculously develop whip lash and other 'traumatic post accident symptoms'
If you refuse to give insurance details then you can get into trouble.
This happened to me when I bumped the back of a car at about 2 mph and although there was no damage to either car, by the time she had finished hammering my insurance, she needed a new bumper and was suffering with whiplash and insomia and panic attacks related to it. I knew she was lying but could not prove it.
If this person really wants to go to town on your insurance and they are lying, I would involve the police now and explain what has happened and say there was no damage but you need the support of them as they should go and see the other driver and check out the 'damage'!! They should be able to help you!!
Good Luck
2006-10-12 05:58:33 · answer #1 · answered by Anonymous · 1⤊ 0⤋
The big mistake here, outside of getting in the accident, is not immediately calling the police and filing a report, or at least exchanging full information at the scene. Regardless of fault, this shows that you are a responsible driver and didn't just hit and run....which the other person could conceivably claim if there were no witnesses. She gave the other driver her phone and plate # but never asked for anything in return. Boneheaded move. This other guy could claim that she did a hit and run and say he got the plate number as she left. Bottom line here is that you need to get the other person's info, and that way you can provide it to your insurance company should they want to initiate a claim...which is obviously what they are planning to do now. When you sideswipe someone there is always damage to both cars; maybe they found damage that they didn't notice before. Who knows? At any rate you need to get their info. You may want to consider calling the police and filing a report anyway so it doesn't appear like you have something to hide. If all else fails, consult an attorney if necessary. Good Luck
2006-10-12 13:31:00 · answer #2 · answered by answerman63 5 · 0⤊ 0⤋
You must provide your insurance details, and you should also request the details from the other party. If you refuse to provide your details they have no option but to get them by reporting it to the police who will not only get the details of the car owner but then also prosecute for failing to give details, it's an offence.
Check your insurance details, I think it will state that you MUST report all accidents to the insurance company regardless of whether you want to make a claim, I believe failure to do so can invalidate your insurance.
2006-10-12 12:59:01 · answer #3 · answered by Lynn S 3 · 0⤊ 0⤋
Yes, but make sure that you get his, and make doubly sure that you write everything down while it's still fresh in her mind and make sure the insurance company knows that his car wasn't considered damaged at the time.
Having said that, somebody ran into me once, and at first glance evything seemed to be okay, so we didn't exchange details. It was, in fact, only when I next washed the car that I saw the massive fracture through the bumper which 'gave' when I put pressure on it. Too late then. Nothing I could do.
I'm just saying don't be too quick to assume that he's pulling a fast one, that's all
2006-10-12 12:54:57 · answer #4 · answered by trebs 5 · 0⤊ 0⤋
your wife should have exchanged info with the other driver at the scene. it's the way insurance companies operate now. they want police reports. apparently this other driver decided to file a claim.
2006-10-12 12:49:34 · answer #5 · answered by kapute2 5 · 0⤊ 0⤋
If it is in the UK, you need to swap insurance details, if your refuse to provide the details, her insurance company will track your wife down and make her pay every last penny for any repairs and the costs of finding her.
You will need her details too as your wife's insurance company need to be told about the crash.
2006-10-12 12:51:44 · answer #6 · answered by thebigtombs 5 · 0⤊ 0⤋
And you have just learned the importance of having a police report no matter how minor it seems. Since she was at fault, yes, she has to give them her insurance information. Not her address, just her insurance information. Call your agent and make a report so they will be able to handle it when they call.
2006-10-12 12:50:47 · answer #7 · answered by oklatom 7 · 0⤊ 0⤋
It is your choice to give them your info. But if there was no damage i would not recommend it because they could have gotten in another accident or hit something and now is going to blame it on you and is going to file a claim against you.
If there is no damage then there should be no issues with you not giving her you info besides her most likely getting pissed off.
I would for sure request her info to get you damage fix on you car.
2006-10-12 13:02:49 · answer #8 · answered by Anonymous · 0⤊ 0⤋
If no damage then why do they want your details. they may be claiming for damage caused by someone else or making a false claim.
Its tic for tac basically. If no witnesses then you could ignore it and deny any knowledge.
Be very careful.
2006-10-12 12:55:23 · answer #9 · answered by 90210 aka Hummer Lover 6 · 1⤊ 0⤋
Report it to your insurance company, and they will get in contact with the other person and allt hey need is the claim number and insurance co. name. Exchange of certain information is required.
2006-10-12 17:23:45 · answer #10 · answered by Chris 5 · 0⤊ 0⤋