Most insurance expires at 12:01 in the morning of the day it expires. If you are involved in an accident when your policy is expired, typically there is no coverage for the accident. It is safe to exchange information in case injuries are found later, or the insurance company can determine after the fact if there is coverage afforded or not. Making an immediate payment could reinstate coverage for the accident. Your policy could be cancelled and you would have a hard time getting insurance for a decent rate if this guy reports the accident. Hope that he doesn't and pay out of pocket if he needs a repair. You could also get a citation for driving without insurance so a lot of scary things could happen and it all depends on what this other guy does. I would follow up with him to be sure everything really is okay and work this out off the record.
If they left the scene of the accident, then you don't have their name either ... need to have a name before trying to find out insurance information. Chances are, the person who "hit and run" has no insurance and probably was driving without a license and/or expired car registration. This is why insureds carry uninsured motorist coverage.
Your Local Farmers Insurance Agent. They offer Bristol West Insurance policies that will insure you with a temporary suspension, expired license as well as someone with a Mexico ID.
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Someone can find information about auto insurance in WA by going to the WA website. The website has a section that allows people to learn about auto insurance in the state.
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You can be sued, and your insurance company can deny the claim.
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If you have their insurance information, go directly to their carrier. If you don't have the information, you may have to go through your own insurance and let them fight it out for you.
Yes, there are people who can provide information for your friend about auto insurance. You could start off by asking your insurance agent to explain it to him or by contacting an insurance company.
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This information would have to come from the payer of the disability insurance amounts.