If you have been involved in a car crash, the second thing to do (after ensuring everybody is safe) is to get the insurance information of the other driver. This is typically a straightforward affair, but it can get complicated under some circumstances. Here are some of the potential complications, and what you can do in each case: 

The Driver Is Unconscious

If the other driver has sustained serious injuries and is unconscious, then it's obvious you won't be able to talk to them and get their insurance information directly. You can't accompany the driver to the hospital and wait for them to wake up, but the police will do exactly that. Therefore, wait for the police to arrive (you should do this for all car accidents) and get their names and badge numbers. That way you can get the other driver's information from the police when they do get it.

The Driver Drives Off

Irresponsible or scared drivers sometimes don't wait for the police to arrive if they have been involved in an accident. This is especially true for drivers who don't want their auto insurance rates to rise or those who don't have insurance coverage. If a driver crashes into your car and drives off, try to get as much information as you can about their cars. Ideally, you should get the make, model, and color of the car, as well as the license plate number. You can even whip out your phone and take a quick snap of the car.

The Driver Is Difficult

Sometimes the driver may not drive off, but they may become unresponsive or even confrontational. Don't try to force the driver to give out their insurance information, such a confrontation can escalate quickly and turn ugly. Instead, treat the situation as you would if the driver was unconscious – jot down the make, model, color, and license plate number of the car and leave the rest up to the police.

There Is a Mismatch of Information

You may also encounter a situation where the information on the driver's insurance card doesn't match the details of the car. For example, the driver's insurance card may indicate that the covered car is an SUV while the car that hit you is clearly a sedan. In such a case, don't automatically assume that the driver is lying; maybe they are just giving you information about another car they own. You shouldn't have anything to worry about as long as the information is genuine and you also get other details of the car such as the license plate number of the car as well as its make and model.

To learn more, contact a car insurance agency like Allstar Insurance. 

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