How to Check if a Person Has Car Insurance

There are many ways to check if a person has car insurance. You can ask a driver to show their insurance I.D. card or request that an insurance agent or police officer look up if a person has auto insurance through their license plate number. Getting the license plate number is the best way to check if a driver has car insurance after a hit-and-run accident.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 29, 2020

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Things to know...

  • If you need car insurance information on another driver, then you may be able to get this information through the state department of motor vehicles if you are authorized to do so
  • If you are in a car accident, make sure to get a copy of the other driver’s insurance and license information before walking away from the scene of the accident
  • For a hit and run accident, you should try to get the license plate number of the other responsible driver so that you can track down insurance information from the state police or the insurance department
  • If you have the vehicle identification number (VIN) of the car driven by the person for whom you require insurance information, this could be very helpful in assisting the police to track that person down
  • You can always file a claim through your own insurance company if you cannot track down the insurance information for the other driver involved in an accident

You will need insurance information on another driver if he or she hit you or your car and caused damages.

In that case, you will want to file a claim through their insurance so that you do not have to pay out of your own pocket or file a claim through your own insurance company to have your car repaired.

Some states may have laws that prohibit the DMV from releasing insurance information on other drivers in most situations.

As long as the state does not have one of these laws, you can likely obtain the information you need so that you can track down that driver’s insurance provider.

Make sure you have the coverage in place that you need. Enter your zip code into our free comparison tool to begin.

Getting the Information You Need After an Accident

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If you are hit by another driver, you need to make sure to gather certain information immediately so that you can recover for the damage to your car and to yourself.

Depending on the severity of the auto accident, you may want to call a police officer to respond to the scene so that you get a report of what happened.

If another driver hit your car and then drove away or did not leave a not with his or her contact information, then you should definitely file a police report because this is a crime.

In fact, many auto insurance companies will require a police report in the case of a hit and run accident for you to be able to recover.

You may have already heard that it is crucial to get insurance information directly from the driver involved immediately after an accident. The responsible driver should turn this over to you right away.

One of the reasons that the other driver may be hesitant to share this information is that he or she is not currently insured. This is a problem because it means that you may not be able to recover from their insurance company.

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What if the Other Driver Does Not Have Car Insurance Coverage

If you are already carrying underinsured or uninsured motorist coverage, then you will be protected in this scenario.

Many drivers choose to have this type of coverage because they know that plenty of drivers get on the road without meeting the requirements to have auto insurance coverage. Typically, this coverage is not very expensive to add to your current auto insurance policy.

If you are requesting quotes for car insurance coverage, then you should ask how much more it would possibly cost to add uninsured or underinsured motorist coverage. You may end up being surprised at just how affordable this additional coverage really is.

You may be hesitant to contact your auto insurance provider after you are hit by another driver because you are afraid that your premium will go up if you end up filing a claim.

Keep in mind that this is really only the case for a chargeable claim, which is an incident that is totally a result of your own fault.

In most cases, you will not be penalized by the car insurance company for a claim that is not really your fault.

Even if you are concerned about having a claim on your auto insurance record, there is only a certain period of time that your auto insurance company will consider for the purposes for deciding how it will affect your car insurance rate.

In general, most major auto insurance providers only consider claims as far back as three years for the purpose of determining your auto insurance rate.

Recap on How to Check if a Person Has Car Insurance

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The major reason that you would need to know if another person has car insurance is because he or she was involved in an accident with you or hit your car.

Here are the ways to find out their insurance information:

  • Ask them
  • Gather information and ask the state DMV
  • Call the police
  • Ask your insurance company to find out

If the person does not freely offer up their insurance information to you, you can try to gather as much information on that car and driver as you can and get the information from the state DMV. There may be state laws against releasing this information.

The state police is another place to start.

If all else fails in getting the responsible driver to take care of the damages that they caused, then you could report the incident to your insurance company and have them either process the claim or use their resources to track down the other driver.

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