There is a way you can file a claim with a driver’s insurer given they were responsible for the accident even when they fail to provide you with their insurance information. Here’s how.

  1. Write down their license plate number. You are going to need to have some piece of information that can be used to identify who the driver is along with the insurance company they carry a policy with.
  1. Contact the police. Most states do require law enforcement to be called after a collision has occurred, especially when there is property damage, injuries to another, or death.
  1. After an officer is dispatched to the accident scene, he/she can then help you identify the driver as well as who his/ her insurance company is as they do have access to this information. Now if the driver accidentally left the scene without first providing you with their insurance or they suffered severe injuries that required them to be transported to the hospital, the police officer who arrived to write up the report can also assist you with obtaining this information.

If you are unable to identify the other driver’s insurer or the claims process is taking longer than expected, there may be another way you can recover the money you need to cover your losses. For example, if you live in a state like Florida that follows no-fault insurance laws, you may be able to recover the money you need for vehicle repairs, medical expenses, rental car costs, and more from your own insurance carrier.

Florida law requires all drivers to carry personal injury protection (PIP) insurance which can be used regardless of who was at fault for the accident. Therefore, you may be able to file a claim under your own policy in an effort to recover compensation quicker. Insurance carriers will often try and recover the money they paid you from the at-fault party’s insurer through a process called subrogation.

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If you are looking to get your claim paid right away, you might consider filing a claim with your own insurer and allow them to seek reimbursement from the at-fault party.

Now, if your insurance policy limits aren’t enough to cover your losses or the other driver’s carrier doesn’t seem to want to provide you with what you are due, you can always turn to an accident lawyer in your city who can intervene. Insurance companies have been recognized in the past for undervaluing third-party claims and even claims submitted by their policyholders (first-party claims). When this happens, there is a process you can go through to appeal the settlement offer that has been provided to you.

Aside from filing an appeal with your insurer, you may also be entitled to recover compensation by filing a personal injury lawsuit against the driver. However, in order to do this, you need to be sure you have the grounds to sue and that there aren’t any laws in your state that bar you from taking legal action. To find out whether you need to hire an accident lawyer in your area to help you resolve your insurance issue or to file suit, contact today.