At some point, the person who taught you how to drive probably said, “If you ever get in a crash, be sure to exchange insurance.” Although you might have nodded your head at the time, many aren’t sure what it means to exchange insurance information, and many more are too afraid to ask at this point.
To help drivers of all ages conquer their next fender bender or serious crash, we’ve put together this guide explaining how to trade insurance after a crash.
Make a Trade
After the accident, you need to meet the other driver. If it’s a serious accident, you should call for emergency services or a police officer before anything else.
Introduce yourself, but keep your comments to a minimum. Don’t say sorry, and never try to explain the crash. The accident already happened, determining liability is between you, your attorney, and your insurance company.
Instead of focusing on the crash, take your phone out and ask for the following information:
· Home address
· Phone number
· Insurance Provider
· Policy Number
· License Plate Number
· Drivers License Number
Trust, but Verify
Make sure you verify the information on their identification cards. If you don’t and their information is inaccurate, your insurance company may claim they are an uninsured driver.
After exchanging information, hand their cards back and produce your own. In the case of a minor fender bender (no injuries and less than $1,000 in damages), this is all you need to do. However, you may want to get a police officer on the scene and file a formal report, just to be safe.
If you suffered serious injuries in a car accident, you might be entitled to rightful compensation. If you’d like a Miami auto injury attorney from Julian Rudolph Law to evaluate your case, please send us an email or call (305) 300-2702.