How do you find out if someone has car insurance?

I was in a car accident and the other person fled the scene. The police have their license plate information but I need to know whether they have insurance. How can you check if a car is insured?

Answer
“I’m sorry to hear about your accident—and that the other driver fled! That can make an accident even more stressful.
To find out if the other driver has insurance, you’ll need to contact the police. Remind them of the date, time, and place of the accident, as well as any other information you do have (like the names of the responding officers and/or the incident report number).
Let the police know you need the other driver’s name and license plate number for insurance purposes. The police may even be able to search for their insurance information through the DMV database.
Otherwise, using the name and license plate, your insurance company may be able to find out whether the other driver has insurance.
Without their personal information, it can be extremely difficult to figure out if they are insured. So if you need your vehicle fixed immediately, it may be worth filing a claim with your own insurance.
If you have collision coverage or uninsured motorist coverage, the damage may be covered by your policy. You’ll likely have to pay your deductible—however, it will be refunded once the other driver’s information is obtained.
If you feel your insurance is lacking or you’re paying too much for it, try Jerry. The Jerry app can gather low-cost quotes from over 50 top insurers in minutes and deliver the best deals directly to your phone for free. No paperwork. No phone calls. Just savings.”
Emily Maracle
Answered on Dec 17, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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