Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

Full Bio →

Written by

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. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jan 26, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 know how to find out if someone has auto insurance coverage, as well as what coverages, such as collision coverage, you should have in the event that you are unable to find information after a hit and run.

If you would like to compare affordable auto insurance quotes for full coverage, use our free tool above by entering your ZIP code.

What are ways of checking the car insurance of another driver?

If you need to find out if someone has auto insurance coverage, 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 as you would with 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.

If you need to know how to find an insurance company by license plate number without having to go through the police, you can take the other car's license plate number to the DMV and find out the driver's insurance company that way.

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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What should you do if the 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, and 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 license plate by checking the motor insurance database. 

Because parking lot accidents are common, most people want to know if police investigate parked hit and runs. For accidents with 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. Filing an auto insurance claim against another driver is simple, however, 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Which auto insurance coverages 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., although uninsured motorists coverage will always cover hit and runs.

Hit and Run Coverages
Coverage Purpose Annual Average Insurance Rate
Collision Covers collisions with other vehicles, regardless of who is at fault. $299
Uninsured Motorist Coverage Covers 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 Protection Pays for your medical bills and lost wages, regardless of who caused the accident. Less than $100
Get Your Rates Quote Now

Compare RatesStart Now →

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.

For accidents in which the engine of your car is damaged, your standard auto insurance policy will cover the engine repair. However, damage from normal wear and tear is not included.

We hope that our quick guide on how to find out if someone has auto insurance coverage after an accident was helpful. 

If you are looking to buy auto insurance or just want lower car insurance rates after paying accident bills, use our free tool below for affordable auto insurance quotes from auto insurance companies in your area. 

References 

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