Navigating a Car Accident: What To Do When the Other Driver Doesn’t Share Insurance Details
Yesterday, I was involved in a minor collision while approaching a stop sign. As I paused, a vehicle backing out of a parallel parking spot struck the front passenger side of my car, causing noticeable damage to the door.
Having never been in a situation like this before, I called the police. They informed me that if no injuries are involved, a police report isn’t mandatory. Nonetheless, I exchanged contact details and took photos of the damage and the other driver’s car, including his license plate. I provided my insurance information and driver’s license, but shortly after, the other driver stopped responding to my calls and ceased sharing any further details.
Upon returning home, I immediately submitted a claim through Geico and am now awaiting further instructions. However, several questions remain important as I assess my next steps:
1. Is it worth pursuing the other driver for additional information?
While I have his license plate and contact details, I wonder if continuing to press for more info will help or hinder my claim process. Do I have sufficient information to proceed with my insurance claim?
2. Should I file a police report for a hit-and-run?
California law allows for reporting a hit-and-run if someone is injured or while damages exceed $1,000. Although I don’t have confirmed injuries—I’m experiencing some neck and back stiffness—I’m unsure whether these symptoms qualify. Additionally, I need to understand how to obtain an official damage estimate, keeping in mind that reporting should ideally be done within ten days.
3. Is the vehicle damage likely to surpass the $1,000 threshold?
From the photos, I wonder if the extent of my car’s damage suggests repairs costing over a thousand dollars.
4. What should be my next steps?
Will Geico process my claim smoothly? How soon might I expect a response? Am I at risk of potential complications?
I plan to share photos of the damage in the comments later. If you’ve experienced something similar or have insights into handling situations where the other driver withholds insurance info, I’d greatly appreciate your advice.
Stay safe and drive carefully!
