How do you settle a car accident without insurance?

My boyfriend was driving home and said that a car turned and swiped his bumper. The driver has insurance, but they don't want to use it. They want to settle privately. How would we do that?

Answer
Car insurance rates commonly increase after an accident, so many drivers prefer to settle things without insurance.
While doing so is perfectly legal, you need to set terms when settling privately.
Sign a written contract or agreement with the other driver. This provides proof in a court of law of the other driver suddenly reneges on their end of the bargain. If you forego this step, an insurance company could deny the claim since the accident was initially unreported.
The agreement should also outline who was at fault and responsible for what damage. The payment amount or amount of damages should be in the contract as well.
Even if you’re not going through insurance, file a police report for peace of mind and additional evidence. Having a record of the accident along with the other driver’s information can be beneficial for your records.
While you may choose to avoid insurance now, a good policy is important. If you want to look at your options for insurance, go to Jerry. Jerry gathers affordable quotes from the top insurance providers to save you money in seconds!
Emily Maracle
Answered on Oct 25, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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