Distracted Driver Accidents

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Can You Settle A Car Accident Without Insurance Companies?

Josh BlackburnJosh Blackburn

You’ve been in a car wreck if that isn’t enough; now you have to go through the process of getting your vehicle fixed. As well as, the other driver’s car if the accident was your fault, deal with insurance companies, and potentially a car accident lawyer

What if there was an easier way? Can you settle a car accident without an insurance company? 

Yes, you can settle a car accident without an insurance company. 

But is that the best way to handle it? 

Keep reading to find out… 

If you have a serious car accident in which you or another party involved were injured and need medical attention, it would probably be wise to get the insurance companies involved as this could be an expensive accident. 

Settling a Car Accident Without Insurance

If you and the other driver decide this is the route you would like to go, settling the accident without involving insurance companies. Here is a list of information you should collect from the other driver. 

  1. File a police report. If you are not at fault, having the evidence can come in handy in case the other driver tries to file a claim.
  2. Get a picture of each others driver license and insurance cards (just in case)
  3. Take pictures of the damaged (and non-damaged) areas of all the vehicles involved, get a picture of their license plate too. 
  4. Notify your insurance company of the accident, and that you have the police report. You can notify the insurance, without filing a claim. 
  5. Get a few quotes to repair your car from body shops and mechanics, and to ensure it is safe to drive after the repairs will be made.
  6. Keep good records of all communication with everyone involved and all of your financial expenses. 
  7. Create a legally binding agreement for all parties involved to sign. Include who is at fault, the damage total and that no legal action will be taken. It would be a good idea to have this notarized so I witness it presently. 

Things To Consider

Right after an accident, your adrenaline will be high, so you might not feel like you have any injuries. 

The damage to the cars could look like minimal damage, but it is possible the car’s frame could be bent and totaling the vehicle. 

At the end of the day, there are a lot of variables here and this is the reason we pay for insurance. It can be a pain to go through the process, but sometimes we have to let the process run its course. 


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