How to Find Out if Someone has Auto Insurance Coverage

Finding out if a driver has auto insurance coverage is vital after an accident. Contact the driver's insurer or the DMV to find out a driver's insurance information, as a lack of insurance information means the bill will fall on you. Luckily, buying uninsured motorist coverage for less than $100 a year will cover you if someone doesn't have insurance.

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How to Find Out if Someone has Auto Insurance Coverage

Finding out if a driver has auto insurance coverage is vital after an accident. Contact the driver's insurer or the DMV to find out a driver's insurance information, as a lack of insurance information means the bill will fall on you. Luckily, buying uninsured motorist coverage for less than $100 a year will cover you if someone doesn't have insurance.

Marissa Hayes is a technical editor and contributing writer for Insurantly.com. She holds a Bachelor’s Degree in history, and she was the editor of the literary...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance...

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Reviewed byDaniel Walker
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UPDATED: Jun 5, 2020

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Not everyone is trustworthy after an accident. Drivers may either provide false information or simply drive off after hitting a vehicle. If you need to know how to find out if someone has auto insurance coverage, this quick guide is for you. 

Keep reading to learn about the main steps you should take to find out how to verify an auto insurance policy, as well as what coverages you should have in the event that you are unable to find information after a hit and run.

If you can’t find another driver’s information and would like to compare auto insurance quotes for full coverage, use our free tool above by entering your ZIP code.

How to Check if a Car has Insurance or Not

Can you look up someone’s auto insurance? You can request information on a person’s auto insurance if you have a valid reason. The request can be made to a police officer simply by providing the license plate number and an incident report like a hit and run.

You can also approach your local DMV for the information but you will need to give your personal details and reasons for the request. Your request can be denied if you provide false information.

Another way would be to approach the insurance company after the driver at fault disappears and cannot be contacted after admitting to being at fault. Be ready with the police report and other documents to prove you have justifiable reasons for wanting the policy details, as being prepared on how to find auto insurance is important.

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What to do if Other Person Doesn’t Have Auto Insurance

If the other person doesn’t have auto insurance, the first thing you should do is call the police. They can serve as a reliable witness in a claim that the other driver didn’t have insurance. A common time this occurs is in a hit-and-run. The police will be a useful tool in helping you find the perpetrator. Police also know how to check if a car is insured by the number plate by checking the motor insurance database. 

Because parking lot accidents are common, most people want to know, “do police investigate parked hit and runs?” If there was severe enough damage, the police will investigate to try and find out who hit your car. Make sure you know how long before the police stop investigating a hit and run, as the sooner you get your police report the sooner you can file a claim. 

Because the other driver doesn’t have auto insurance, you will need to file a claim with your own insurer. How to file an auto insurance claim against someone is simple, but you will need to make sure you have as much information as possible about the accident. Pictures, police reports, witnesses, and more will help make the claim process go faster. You can usually file a claim in-person, online, or over the phone. 

We want to stress that if you weren’t in a hit and run, make sure that you do not accept money from the other driver — your accident costs could amount to much more than the few hundred dollars they gave.

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Auto Insurance Coverages that Cover Hit and Runs

What coverages cover a hit and run accident depends on what state you live in, as coverage laws vary. Because of this, people can be confused about subjects like “does liability cover hit and runs?” However, the following coverages will usually cover a hit and run accident in the U.S. (uninsured motorists coverage will always cover hit and runs).

Hit and Run Coverages
CoveragePurposeAnnual Average Insurance Rate
CollisionCovers collisions with other vehicles, regardless of who is at fault.$299
Uninsured Motorist CoverageCovers any accident with an uninsured driver who can't pay your accident bills.Less than $100
Medical Payments CoverageCovers your medical bills, regardless of who caused the accident.Less than $100
Personal Injury ProtectionPays for your medical bills and lost wages, regardless of who caused the accident.Less than $100
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With the exception of collision coverage, none of the coverages on the list are the main auto insurance coverages. This means it will be less expensive to add them to your pre-existing policy. We highly recommend carrying some of these coverages, as the cost of an accident can be astronomical, especially if there is a death involved.

According to the Center for Disease Control, car crash deaths cause an annual loss of $44 billion. Even if no-one is killed, less serious accidents will still cost drivers thousands of dollars.

We hope that our quick guide on how to find out if someone has auto insurance coverage after an accident was helpful. If you want to learn about other car insurance topics, check out the list of articles below. 

If you were recently in a hit and run and want lower car insurance rates after paying accident bills, use our free tool below to start comparison shopping at companies. 

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References 

  1. https://www.cdc.gov/motorvehiclesafety/statecosts/index.html
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