To find out if someone has auto insurance coverage, contact the DMV and provide as much information as possible, such as the vehicle identification number (VIN) or license plate number of the vehicle the person is driving. Depending on whether that state can disclose the information, you should be able to see whether or not the vehicle is covered under a policy.
The biggest reason to find out if someone is covered under an auto insurance policy is if you are involved in an accident.
If you are involved in an accident the steps to take are:
Usually, this is the extent of your involvement regarding the other driver's information. If the other driver is found to be at-fault, their insurance information is obtained through the police.
Being involved in a hit and run is a different case. Here, you definitely would need to find out if the other driver has car insurance.
You want to avoid filing a claim with your insurance company as much as possible, because your rates are likely to increase. That's why it's imperative to get as much information as possible if you are involved in a hit and run.
Getting the license plate number is the simplest thing you could do to discover whether or not that driver has an active auto insurance policy.
If you have the license plate number, the police can guide you through the process of obtaining the information you need.
It's also very important that you keep up to date on your coverage, so check in often with your insurance agent, today.