Even if you’ve never been in a car crash you probably know that you need to exchange insurance information after a serious crash. Yet most people don’t know how this is done or what information they need to make a successful claim. That’s why we put together this guide explaining how to trade insurance after a car accident.
Who Is Involved?
The first step is determining everyone involved in the crash. Typically this means the other driver, but it may also include a pedestrian. In the case of a pedestrian crash, the driver will give the pedestrian their information (assuming the pedestrian does not require an ambulance) and the pedestrian may wish to provide basic contact information, such as name and phone number.
Generally speaking, you don’t trade insurance information with passengers. If you’re involved in a crash with a van full of people, you only need to trade insurance with the driver.
What Are You Trading?
Upon meeting the other driver, you may have a lot of nerves. Remember that Ohio is a comparative fault state, meaning anything you say could affect your assigned fault. Instead of focusing on the crash, stick to the facts and ask for the following information from the other driver:
Drivers’ License Number
License Plate Number
Insurance Policy Number
Drivers’ Phone Number
Trust But Verify
It doesn’t happen often, but sometimes a driver will give you false information and then drive away, leaving you to file an uninsured motorist claim. You can protect yourself from these situations by verifying the drivers’ information at the scene.
There are two ways to do this: First, see if you can get a picture of their drivers’ license. This will make copying the information faster and will eliminate any chance that you wrote it down incorrectly. Second, ask that the other driver text you pictures of their insurance card and license. This will instantly verify their phone number and make it easy for you or your attorney to contact them if you need additional information.
If you or someone you love suffered serious injuries in a car crash and have questions about Ohio insurance, we are here for you. If you’d like to schedule a free case consultation with an experienced Columbus car accident lawyer from Ross, Midian & Breitmayer, LLC, please don’t hesitate to call (614) 450-2223 or send us an email.