What if the other driver refuses to give insurance information?

You’re already in shock from the crash. You’re already reeling from feeling invisible. And now you’re confronted with someone who isn’t just inconsiderate — they’re unpredictable. Your heart might start hammering, your hands might start shaking, and your mind races: “How bad is this going to get? Am I in danger?”

You don’t have to fix that situation yourself. And you shouldn’t.

Stay safe and don’t push it. Drivers who refuse to share insurance are often uninsured, uninsured-and-angry, impaired, panicked, or hiding something. None of those situations call for confrontation. Don’t follow them, don’t argue, and don’t step into traffic trying to force the issue.

Call the police immediately. Washington law requires drivers to exchange information after a collision. When someone refuses, the police can document the crash, collect their info, and create an official report. That protects you and keeps the record clean.

If they drive away, try to get the license plate safely and note the car’s make, model, and color. Then wait somewhere visible and well-lit until police arrive.

And this is exactly why Uninsured Motorist (UM/UIM) coverage matters. When the other driver disappears, refuses to cooperate, or turns out to be uninsured, UM/UIM steps in to protect you — your medical bills, your car, and your future.

You don’t have to chase anyone down or put yourself in danger.

Your job is to stay safe. My job is to handle everything that comes next.