What If the Other Driver Won’t Give You Their Insurance Information?
Unfortunately, some drivers refuse to provide their insurance information after a car accident. While this is frustrating, it does not automatically mean you are out of options or that your claim is over.
If Police Responded to the Scene
If law enforcement arrived and a crash report was created, this is usually not a major problem. The officer’s report often contains the other driver’s insurance information. In Texas, it typically takes about 10 days for the officer to complete the report and an additional few days for it to be uploaded and available through the Texas Department of Public Safety.
Once the report is available, you or your attorney can obtain it and use the insurance details listed to open a claim.
If There Was No Crash Report
If no police report exists and the driver refused to provide insurance information, things become more complicated—but not impossible. In many cases, hiring an attorney is the best next step. An attorney can investigate the driver, send formal notices, and if necessary, file a lawsuit.
Once a lawsuit is filed, the at-fault driver is typically required to notify their insurance company, which often leads to the insurer stepping in and opening a claim. This is sometimes the only way to force cooperation.
When Lack of Insurance Becomes an Issue
If the other driver never reports the accident and truly has no active insurance, there may be limited funds available to pursue. In that situation, your attorney can explore other options, such as uninsured or underinsured motorist coverage through your own policy.
Why Getting Insurance Info at the Scene Matters
This is why it is always best to collect insurance information at the scene whenever possible. Without active insurance coverage, there may be no money available to compensate you, even if the other driver was clearly at fault.
