What should I do if the other driver in an accident doesn't want to use the insurance?

It is important to ALWAYS exchange insurance information. You might have been injured and have yet to experience pain..i.e. whip lash can take several days before you realize you have it. To protect yourself, make sure you get as much information from the driver as possible. You don't always have to file an insurance claim, if the damage is minor you might be better off working something out on your own. Be wary if the other driver doesn't want to file a claim. Protect yourself first.