You have had an accident, you know it was not your fault — and the other driver disagrees, refuses to sign, or simply will not cooperate. It is a frustrating and common situation. The good news is that a refusal on their part does not have to derail your claim, especially if you handle the evidence correctly. Here is what to do.
Stay calm and do not argue fault on the roadside
Determining who is at fault is a technical question, not something to settle by debate at the scene. Arguing rarely changes the other driver’s mind and can escalate into a dispute. Keep your composure, stay safe, and focus on one thing: securing solid, independent evidence.
The problem with a self-completed mutual report
If you were relying on the simple mutual report that drivers fill out themselves, an uncooperative driver creates a real problem. That form depends on both parties agreeing and signing. If the other driver refuses to sign, disputes your version, or fills in a contradictory account, the form can end up with fault undetermined — and your claim slows down or gets contested.
This is precisely the scenario where the self-completed form shows its limits. It captures what drivers say, and when they disagree, it captures a disagreement.
Why a licensed-adjuster report changes the picture
The stronger path is an official material-damage traffic accident detection report prepared by an SBM-registered insurance adjuster under Law 5684, article 22/17. Unlike the simple mutual report drivers complete themselves, this report does not depend on both drivers agreeing on fault. Instead, a licensed adjuster:
- Examines the scene and the damage
- Documents the evidence professionally
- Provides an independent fault assessment and a scene sketch
Because the fault opinion comes from a qualified expert rather than from the drivers negotiating between themselves, an uncooperative or disagreeing other driver carries far less weight against you. The report stands on the adjuster’s professional findings.
What to do at the scene if the other driver won’t cooperate
- Stay safe and avoid confrontation. Do not let it escalate.
- Document everything yourself — photos and videos of both vehicles’ positions, all damage, plates, road conditions, and the wider scene.
- Note their details — plate number, vehicle, and anything you can about their insurance, even if they will not share much.
- Call for a licensed adjuster through Alo Tutanak’s 7/24 line. Our experts guide you, and the adjuster prepares an official report based on the evidence.
- If the situation turns hostile or there is a serious dispute, do not hesitate to involve the police — 155 in urban areas or 156 in rural areas. (And remember, any injury means 112 first.)
Protecting your claim afterward
With an adjuster’s report and your own documentation, your insurance file is built on independent, professional evidence rather than on the other driver’s goodwill. That is the strongest position you can be in when fault is contested. If a dispute over the claim arises later, a well-documented file with an expert fault assessment is exactly what supports your case.
How Alo Tutanak helps
When the other side will not play fair, you want an impartial expert on your side. With Alo Tutanak, the service is free for you — the adjuster fee is allocated from the traffic insurance under Law 5684, so there is no cost out of your pocket. You get an official, adjuster-signed report regardless of whether the other driver cooperates.
Read more about the adjuster-approved accident report and what to do at the accident scene.
Bottom line
An uncooperative other driver is a headache, but it is not the end of your claim. Do not argue fault on the roadside; document everything, and get a licensed-adjuster report so the outcome rests on professional findings, not on the other driver’s signature. Download the Alo Tutanak app and be ready for the moment cooperation breaks down.
