Regardless of who hit whom, getting into a car accident can be a nightmare. From seemingly minor fender-benders to more significant collisions, it can seem like there are simply too many details to keep track of.
No matter what happened, the time after the collision can be critical. It's the one time when all the people and property involved in the collision are in the same place at the same time.
Here's what you need to know about exchanging information at the scene of a car accident.
All Minnesota and Wisconsin drivers are required to carry a certain amount of insurance on their vehicle. This is to ensure that any damages from an accident can be covered.
The amount of insurance coverage a driver carries depends on the owner of the vehicle. Both Minnesota and Wisconsin have minimum amounts of liability coverage that are required. Additionally, if a driver has a loan or lease on the vehicle, the lienholder may want drivers to have additional coverage beyond the state minimums.
Before you leave the scene
After an accident, drivers in Minnesota and Wisconsin are required to stop, exchange information with the other driver and report the accident. Drivers can report the accident either by calling a police officer to the scene or by submitting a report after the fact. If a police officer arrives at the scene, there are no other reporting duties for the people involved, unless the police require a supplemental report.
In addition to name and contact information, drivers must give each other their insurance information after an accident. When a police officer comes to the scene, he or she will help that exchange. If there is no officer at the scene, keep in mind that there are a lot of ways to make sure all the people involved have the information they need, including texting or emailing the information from a smartphone.
Along with information about the other motorists, while you're at the scene, be sure to get pictures of the accident. Any pictures of damage to your vehicle and the other vehicle can be helpful in settling any claims you may have.