Driving down the road and another vehicle turns left in front of you. You try to stop, but cannot and a crash occurs. What should you do?
#1: Call the police, and wait.
#2: Exchange information with the other driver (name, phone number and insurance information), and wait for the police.
#3: Hope the police do not take too long to get there.
Why so important to wait for the police? Here is why:
It is our experience at the scene of the crash, people are upset, scared, emotional and more likely to be apologetic for what happened. If the police come to take the information for their report, they are more likely to get the true story from the people involved. Not always, but often.
When the police get this information and record it for the report, it is really hard to change things.
However, once people leave the scene, they talk to others: Family, friends, co-workers, etc…, and stories about what happened can change. Before you know it, the at-fault driver has created a story that is 1) consistent with the damage to the vehicles but 2) has you as the at-fault driver.
WHAT??!!! What happened? After they left the scene, they talked to family, friends, co-workers, etc… and their version changed. Now they are in a money-saving mindset—they do not want their auto insurance to go up for having caused a crash.
So, if possible and the time frame reasonable, wait for the police. If the other driver just wants to exchange information and leave, be nice, and agree if they are okay to allow you to use your cell phone to record (video) the other driver admitting fault.
Car accident and police report not completed? It may not be a big deal, but generally, if you are the innocent party you want to wait for the police and get it done.