Driving collisions can be scary and expensive, but having car insurance makes the process easier. Here’s how to find out if a driver has car insurance.

There are a few different ways to find if a driver has car insurance or not, including utilizing the police, the local DMV, and your insurance company. Obtaining insurance information can be vital to making sure car accident victims receive the correct compensation.

Related: Car Accident Without Insurance and You’re Not at Fault

What Information is Important to Know?

After being involved in a collision, one would want to know the Vehicle Identification Number (VIN), vehicle license plate number, or owner’s driver’s license number. Also, try to obtain the other driver’s contact information to find their auto insurance.

The necessary information you should gather after a collision includes:

1. The Driver’s Name

Ask the driver to write their name if you are unsure about spelling.

Contact information

Contact information may include email address and telephone number. There is no need to exchange personal addresses, as your respective insurance companies will have this information.

3. The Name of the Insurance Company

To file claims, you should exchange information about your insurance companies.

4. The insurance Policy Number

An insurance policy number is essential to filing a claim.
The Department of Motor Vehicles (DMV) and other governmental bodies can help you find auto insurance information. First, file an accident report with the police. Next, the police will take statements from both drivers and any witnesses. The police will request proof of the driver’s insurance. If a driver refuses to provide you with insurance information, the police should obtain the information from the driver. Avoid getting into a confrontation with the other driver. The police will obtain this information and enforce the collection of it.

Related: How to File a Car Accident Claim with Allstate

What Are Some Ways to Find a Driver’s Car Insurance Information?

1. Asking The Driver in Question

You should first ask the driver for their car insurance information after a collision. Exchanging insurance information is useful for you and the other driver to make insurance claims. Remain calm when you ask someone for their insurance information. Be ready to give your insurance information to the other driver.

2. Getting Help From The Police

You can request information from the police about the other person’s auto insurance if you have a legitimate reason, such as colliding with another driver. Provide the license plate number and the incident report to the police officer.

3. Asking the Local DMV

Provide verifiable information to the DMV. You can ask your local Department of Motor Vehicles (DMV) for the auto insurance information. However, you must give your contact information and reasons for the request. The DMV can deny your request if you provide false information or give false reports. Driver information has protection under privacy laws. However, you can ask for insurance information from the state DMV if you collide with another vehicle.

4. Asking Your Insurance Company

You can speak with your insurance company if an at-fault driver disappears and you cannot contact them.

What if a Driver is Uninsured?

Unfortunately, according to the Insurance Research Council (IRC), 13 percent of drivers on average are uninsured in the United States. The rate of insurance varies by state. You must file a claim with your insurer if the other driver doesn’t have insurance. You will need evidence you are not at fault. Use pictures, police reports, and witness reports for evidence. The insurance company will investigate the accident and determine the fault. The claim you file with your insurer will use your uninsured motorist coverage policy to reimburse you.

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If you or a loved one would like to know more about how to find out of a driver has car insurance, get your free consultation with one of our personal injury attorneys today!