Don’t be afraid to tell the other insurance company, no, when they ask for information.
When you are in a car accident, the only entity that you are obligated to give your insurance information to is the police officer at the scene. The other person’s insurance company only needs your insurance information if you were at fault for the accident.
They need this information to know what company to send the subrogation request to, so they can get the money they paid out for their client, back. If the other driver is at fault, the insurance company doesn’t need to have this information.
If you don’t have insurance and the other person is at fault, you are in no way obligated to share that information either. They are responsible for paying the claim, if their client is at fault, whether you have insurance or not.
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