Skip to Content

How to Trade Insurance After an Accident

Woman texting on phone next to damaged car

After a car accident, you have an obligation to exchange insurance information. Many drivers aren’t sure what exactly they need to trade outside of phone numbers and insurance cards. Allow us to explain.

Make an Exchange

If no one is seriously injured or bleeding, you’ll need to meet the other driver. This can be a little nerve-racking, especially since you never know how the other driver might react to the accident, whether they’ll be furious or apologetic.

In either case, hold your ground and stick to the facts. You don’t need to accuse them, and you don’t need to apologize. Don’t risk antagonizing the other driver; just follow your duty to exchange information and move on. Anything else could put you at risk of taking on liability when you were not responsible for the accident.

After a car accident, you need to exchange:

· Names

· Phone Numbers

· Home Addresses

· Drivers License Numbers

· Insurance Providers

· Insurance Policy Numbers

· License Plate Numbers

Collecting all of this information gives you the best possible chance of holding the at-fault driver accountable for their negligence.

Verify Information

After the exchange, you should be sure to verify the information. In observance of social distancing, you may wish to text your information to each other. This will ensure that you get the other driver’s phone number, making it easier to hold them accountable.

Additionally, you may want to file a police report. Having a police officer on the scene to verify the information creates a public record of the accident, verifies the other driver’s information, and ensure you get the justice you deserve.

If you or someone you love suffered serious injuries in a car accident, you might have a case. If you’d like an experienced Geneva car accident attorney from Turner Law Group to evaluate your case, please send us an email or call (800) 653-0198.