a car ran a red light and hit my car, per the witnessess and

by lakerlover3408 » Wed Nov 03, 2010 09:38 pm

per the police report, they did not obtain a telephone number for the offender or his policy #...just the name of his insurance company--which I believe is part of a bigger company. So I dont know what to do

Total Comments: 4

Posted: Wed Nov 03, 2010 10:04 pm Post Subject:

There should be an area on the police report for the policy number and/or agents name of both parties. Did the officer not fill in these areas? You can call the officers supervisor and let him/her know that the officer is not completing the entire report.

You can probably find the number to the insurance company on the Internet. Call them and with the info from the police report (name, address, type of vehicle) they should be able to locate a policy.

I'm wondering if this person actually had an insurance card as required.

Posted: Thu Nov 04, 2010 07:31 am Post Subject:

I'm wondering if this person actually had an insurance card as required.


Is it really possible that the at-fault party can escape from the accident scene without possessing an insurance card and without even providing his contact information? Who do you think will be responsible under such circumstances? Will this police officer get penalized?

Posted: Thu Nov 04, 2010 02:07 pm Post Subject:

Is it really possible that the at-fault party can escape from the accident scene without possessing an insurance card and without even providing his contact information?



"Escape"? Clever use of vocabulary, Steven.

Happens hundreds of times each day all across America -- with or without the police on scene. Will the police officer get penalized? Hardly!

Who do you think will be responsible under such circumstances?



Responsible for what? For not getting the "insurance information" that actually doesn't exist?? The vast majority of persons with insurance have their ID card in the vehicle or their wallet as required. The majority of persons who are uninsured will make some excuse for not having it rather than own up to the fact that they are uninsured.

Then a few of them will turn around and go online to obtain coverage from a Progressive or GEICO or 21st Century and subsequently turn in a claim for an accident that happened "just minutes after" the policy was applied for, even though the accident occurred prior to the policy. They almost always get caught -- usually get prosecuted for insurance fraud and/or perjury -- and some even end up going to jail/prison in addition to the fine. As it should be. (Sometimes, they even enlist the other party to cooperate in the scheme, and -- a bonus for the state -- TWO or more persons get prosecuted for insurance fraud, perjury, and conspiracy!! Look for one or more of my posts in the Insurance Fraud forum about this.)

Posted: Thu Nov 04, 2010 05:26 pm Post Subject:

The issue is that the law requires an exchange of info at the time of the accident. Since the officer put himself in control of the situation it's now his responsibility to make sure that this is done. The police report gives him a very easy way of doing all of his duties. If he did not include the info required by law then he's really not only not doing his job but he's making a simple matter even worse.

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