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How to settle a car accident without an insurance company

Car accidents are often extremely expensive but if you have had a very slight bump or just a scratch you may opt to settle the car accident without involving an insurance company. Car park accidents are one type of event that doesn't usually involve much damage and can be worked out without many complications if the fault is clear. You are not required to report a car park accident to the police and in most locations, they will not respond to car accident in a private lot.

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  1. Gather information from the at-fault party, including name, address, driving licence number, number plate number, type, age and colour of car and where the damage is located on the vehicle.

  2. Request estimates of repair from two bodyworks garages and provide these to the at-fault party. Unless you are very familiar with automobile bodies and current costs of repainting or replacing bumpers, mirrors or side panels, you should not accept a cash settlement or a personal check at the scene.

  3. Draft, sign and have notarised a statement that will release the at-fault party from any further liability. This statement should include the amount agreed upon, the terms of payment-lump sum or monthly, and the full names, addresses and signatures of both parties.

  4. Receive a lump sum settlement amount and use this amount to repair your vehicle, or have your vehicle repaired at your expense and collect monthly payments or as otherwise agreed upon by both parties.

  5. Tip

    If possible, obtain the insurance information of the at fault party in the event the person doesn't not follow through with payments or refuse to respond to your phone calls. It is also wise to take photos of damage and scene photos in case your accident is escalated to involve an insurance company.


    If the at fault party is hesitant to give you personal information or tried to leave the scene or deny fault, it is important to get your insurance company involved as soon as possible. You may risk losing contact with the other driver and not recouping your repair expenses. If you have suffered any physical injury, do not settle without the aid of your insurance carrier.Physical injuries may be more extensive than you realise, and your medical bills can be very large or treatment may be required over a period of time making total medical costs too difficult to estimate.

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Things You'll Need

  • Personal information
  • Estimate
  • Release
  • Notary

About the Author

Brenda Ingram-Christian is a professional writer specializing in flower and vegetable gardening, pet care, general insurance topics. She earned her Bachelor of Arts in management from Walsh University and her senior claims law associate (SCLA) designation through the American Educational Institute.

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