General Insurance

What can I do about fixing incorrect information on my driving record?

It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.

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Coverage & Claims
General Insurance

What do I do if I am hit by another driver and they refuse to provide me their insurance information?

Regardless of the amount of damage caused in an accident, drivers should still exchange insurance information. Normally in the event that the police are called and a report is written the information of both drivers is documented, including insurance information.

Coverage & Claims

What do I do if someone hits me and provides false insurance information?

Your best bet would be to contact your insurance company for assistance. If you had collision coverage on your policy at the time of the accident then your company should cover your damage anyway. Either your insurance company eats the cost of the claim, minus your deductible, or they will subrogate with the insurance company covering the vehicle that hit you.

General Insurance

Am I obligated to give my insurance info after an accident if no damage was caused?

It would probably be in your best interest to provide your insurance information to avoid any potential legal issues, but I would also let their insurance company know that they had existing damage on their vehicle. Luckily, you shouldn't have to pay anything out of pocket, but the fact that you made contact with their vehicle means you will be considered at fault.
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