What Should I Do if the Other Driver Refuses to Go Through Insurance?

When you’re involved in a car accident in California, especially in the busy streets of Los Angeles, exchanging insurance information is crucial for resolving damages and injuries. But what if the other driver outright refuses to share their details or “go through insurance”? Below, we outline what steps you should take to protect yourself, your finances, and your rights.

Steps To Take If the Other Driver Won’t Provide Insurance

1. Know the California Law: Exchanging Insurance Is Required

Under California Vehicle Code § 16025, all drivers involved in an accident must provide:

• Full name and address

• Driver’s license number

• Vehicle identification number (VIN)

• Insurance company and policy number

Refusing to exchange info can lead to fines and, in more serious cases, criminal changes. This legal obligation applies regardless of who’s at fault.

2. Document Everything & Call Law Enforcement

If the other driver won’t cooperate:

• Gather Vehicle details: Take photos of their license plate, make/model of the car, and any distinguishing features

• Record the Scene: Snap photos or video of the accident site, including damage to both vehicles, road conditions, and any visible injuries

• Dial 911 and request a police presence, especially if there’s injury or property damage

• Request a Police Report: Officers will document the scene, take statements, and often gather the insurance details (if the other party eventually discloses them).

A police report can be essential for proving fault or if the other driver leaves the scene. If the police are unable to respond and the other driver flees, you should file a Hit and Run report with law enforcement. For LAPD, this report must be filed online.

3. Notify Your Insurance Company

Even if the other driver won’t go through insurance:

• Report the Accident: Inform your insurer within 24 hours, or as soon as possible

• Provide Documentation: Send them photos, the police report number, and any details you gathered at the scene

• Uninsured/Underinsured Coverage: If the at-fault driver doesn’t have valid coverage, your own policy might help compensate for injuries and damages, depending on your coverage type

Insurance companies often have resources to track down uncooperative drivers or identify their insurance carriers

4. Consult a California Personal Injury Attorney

If the other driver remains uncooperative, it’s time to speak with a traffic accident attorney, particularly one familiar with Los Angeles and Southern California laws.

• Legal Guidance: An attorney can explain your options, whether negotiating with your own insurer or taking legal action

• Evidence Collection: A skilled lawyer knows how to gather additional evidence to identify the at-fault party’s coverage

• Negotiation & Representation: If the other driver is uninsured or refuses to cooperate, you may need an LA traffic accident attorney to file a claim or lawsuit for medical expenses, property damage, and lost wages

5. Why Choose Westridge Law Group?

If you’re in LA or anywhere in Southern California, Westridge Law Group can help:

• Expertise in California Accident Laws: We handle complex cases where drivers refuse to share insurance info

• Free Consultation: Our team offers a complimentary initial review of your case

• Multilingual Legal Support: Our multilingual team speaks English, Spanish, Korean, and Russian, ensuring clear and effective communication for clients from all backgrounds. We provide expert legal representation with no language barriers.

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Conclusion: Protect Your Rights & Take Prompt Action

An uncooperative driver can add stress to an already difficult situation, but California law is on your side. Gather evidence, involve the authorities, and contact an experienced traffic accident lawyer to ensure you receive the compensation you deserve.Westridge Law Group is here to guide you every step of the way—don’t hesitate to reach out for a free consultation and protect your legal rights.

📌 Legal Disclaimer

Updated on Feb 23rd, 2025. This document reflects the most current information as of mentioned date, and is provided for general informational purposes. For personalized advice that accounts for your unique circumstances, consult the experienced attorneys at Westridge Law Group. We are ready to assist you with legal guidance tailored to your needs.