Reply to Car accident question - can someone explain fixing through insurance or suing like I’m a 5 year old

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Reply to "Car accident question - can someone explain fixing through insurance or suing like I’m a 5 year old"

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[quote=Anonymous][quote=Anonymous][b]I agree with most of what 12/04/2022 00:17 says but I thought both drivers were supposed to share insurance information. A lady hit the side of my car with her door and I asked for her insurance. She wanted to see mine and I showed her. Are you saying I didn't need to?[/b]

Also I agree with not talking to the other driver's insurance company  when you are not a fault. (I don't know if this is true if you are at fault though) I was in an accident where the other driver was clearly at fault, the other driver admitted fault, the police gave the other driver a ticket and I turned this all over to my insurance company. I also had a witness who saw the accident.

My insurance company took care of everything and I was told I didn't need to talk to the other insurance company at all. My car was in the shop my insurance company recommended and I already had a rental car. Despite this the other insurance company called me at least every week with incorrect information in an attempt to get me to talk. I'm sure they are hoping they can get me to agree to something less or to find some info to say it is my fault. They are not making these calls by accident.  They always call with crazy incorrect information hoping to make it more likely that I will call back. Don't trust the other driver's insurance company. [/quote]

Technically no one needs to provide insurance information, only exchanging names and contact information.  Normally, you only need to provide proof that you have insurance so that when you get in contact with the other party (or typically, their insurance company), your insurance company knows whether this is an insured or uninsured claim.  Providing insurance information speeds up the process because it cuts out the part where you or your insurance company have to contact the other driver and potentially waste time waiting for the other driver to respond and provide their insurance information.  If you are not at fault, then there is no purpose to providing your insurance information and it prevents the other driver from trying to open a claim with your insurance company if you are not at fault.

It doesn't hurt to provide your insurance information unless you believe that there is something shady about the person at fault, like if you believe that they may be trying to defraud you for some reason, then you don't provide your insurance information.[/quote]

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