Should I get the other driver's insurance information?

Yes. Photograph the insurance card, the driver's license, and the license plate. Photographing beats transcribing — handwriting errors and misheard policy numbers cause real delays.

Get more than the minimum. The insurer's name and policy number, the named insured — which may not be the driver — the driver's full name and date of birth, the plate, and the vehicle's VIN if accessible.

Note the relationship. Whether the driver owns the vehicle matters. A driver operating someone else's car brings the owner's coverage into play, and Florida law can hold a vehicle owner responsible for a driver's negligence.

Ask whether they were working. If the driver was on the job, an employer's commercial policy may apply, which frequently means substantially higher limits.

If they refuse or leave, get the plate and photograph the vehicle. That's usually enough to identify the owner and the policy.

Don't rely on the police report to capture all of this. Reports contain insurance errors regularly.