Your Legal Rights at Work

Tips For Settling A Car Accident Without Filing An Insurance Claim

by Lewis Hamilton

After someone backs into your car and leaves you with a huge dent, the driver may tell you that he or she would prefer settling this matter without filing an insurance claim. This is a legal option to choose, but it is not always the best option. Drivers commonly do this to avoid having accidents on their driving records, but you may want to think twice before you agree to it. If this happens, here are three things you should do.

Get The Person's Information

Before you leave the scene of the accident, you should get the person's name, address, and phone number. You should also ask to see his or her driver's license, and you should write down the number on it, as well as the person's license plate number.

As you discuss this issue with the at-fault driver, you should find out exactly how the person wants to handle the damages. You can discuss:

  • What body shop to use
  • How many quotes you should get
  • When the money will be exchanged (before or after the work)

Negotiating on car accident damages can work out fine if the at-fault driver sticks with the agreement. The problem arises only when the person does not follow through with paying for the damages.

Call The Police

Calling the police to come to the accident scene is one of the best ways to protect yourself, especially if you are settling without an insurance company. When the police arrive, they will fill out a report, which you can obtain afterwards.

This report is your proof of what happened. Without it, the other person could try to get out of paying for your damages by stating that it was your fault.

If the person does not pay you the money that is owed, the police report will be the evidence you need to file a case against the at-fault driver.

Contact a Lawyer

If the situation does not go as planned and you are having trouble collecting the money, contact a personal injury lawyer that specializes in car accident cases. Your lawyer can determine what action to take first, and this might involve trying to negotiate with the other person's insurance company.

Accidents happen often, and that is why drivers are required to have insurance. If you are having any problems settling a car accident case you were recently involved in, contact a lawyer to learn about your options.