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How can I find out if a car has insurance?

Here's what you need to know...

  • If you’d like to verify a car is insured, the best option is to ask the vehicle owner directly for proof of active coverage
  • When reviewing documentation provided by the vehicle owner, don’t assume coverage is active. You should have the owner call and verify coverage is active in front of you.
  • You can’t legally call and verify a vehicle is insured when you’re not authorized to do so
  • If you’re a creditor and have loaned your friend money to buy a vehicle, you should consider having your friend list you as the loss payee so that you’re protected if there’s a loss
  • While the Drivers Protection and Privacy Act does protect personal information, you’re free to ask for insurance information through the state motor vehicles agency if you were involved in an accident with the vehicle
  • If you’ve had an accident and were only able to get plate information, you may be able to get insurance information through the policy department or through traffic court

Driving a car that’s uninsured can have some serious repercussions. This is why it’s so important for schools, employers and friends to verify vehicles are insured in certain unique scenarios. Unfortunately, verifying that a vehicle is insured isn’t so easy when you’re not the owner of it. Since there are privacy laws in place that protect personal driver information, a stranger or private organization can’t just pick up the phone and see if a car has insurance without a valid reason. Compare car insurance rates now by using our FREE tool above!

If you really need to verify that a vehicle has active coverage, you may need to get resourceful. You can’t call the insurer directly, but there are alternatives that will protect your interests when there’s a potential for financial loss. Here are some of the steps that you can take to go about getting insurance information when you seriously need it:

Scenarios Where You Might Need Insurance Information

You don’t need to check if someone’s car is insured every day. There may be days, however, where verifying insurance could really save you a huge financial hassle down the line. Here are some of the most common scenarios where the average person or entity would need to find out if a car has insurance:

  • You’re borrowing a friends car and don’t have insurance of your own
  • You’re in the middle of a divorce and want to be sure that your spouse is keeping coverage active on the car that’s registered in both of your names
  • You own a small business and have employees drive their own cars in the course of employment
  • You’re an administrator at a school and need proof of insurance for parents to drive for field trips
  • You’re involved in an accident with the driver and want to verify the insurance information provided is valid

Step One: Verifying Coverage Through the Owner

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The easiest way to see if a car is insured is to ask the owner directly. If you trust the owner, you may be able to just trust that the proof of insurance or declaration’s page provided represents coverage that’s active. Unfortunately, you might not be able to trust that these papers are really valid if you’re not close to the vehicle owner or if they’d benefit from being dishonest.

Step Two: Checking the Validity of the Coverage Provided

When you ask the owner for insurance information, you’ll need the name of the company, the license plate number, and the policy number. If you’re not confident that the ID cards or other policy documents are valid, you should ask the owner to call the insurer will you. The insured can authorize the company to give you information on the policy so that you know what is on the policy, who’s covered, what vehicles are listed and when the coverage expires.

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Step Three: Checking Status of Insurance on a Vehicle That You Own Through the Insurer

If you’ve co-signed a loan on a vehicle or you’re the registered owner of a vehicle with your estranged spouse, you may be able to verify a car’s covered all by yourself. This is because you have an insurable interest in the car. If you know what company the car is insured with, the easiest way to see if there’s liability coverage is to call the company directly.

If you’re not listed on the policy as a named insured, you might have to provide proof that you’re an owner of the car before the company representative will be willing to tell you the policy is canceled or active.

To prevent this from becoming a problem, you should require that you’re a named insured or a loss payee on the policy when you agree to be on a loan or title.

Step Four: Checking the Status of a Vehicle That You Own Through the Motor Vehicle Agency

If you own the vehicle and don’t know where the vehicle is insured, you could check to see if insurance is filed with the motor vehicle agency in your state. Many states allow owners to do this so that they can be sure that they are in compliance with the mandatory insurance laws.

To verify coverage exists, the state must have an electronic verification program in place. This means that real-time insurance information is reported daily. If the state that you live in has an owner search tool, you’ll need to enter the plate number and VIN to see if coverage has lapsed or needs to be verified.

Step Five: Asking the Other Party For Insurance Information Following an Accident

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When you’re in an accident, it’s your right to gather third-party insurance information. This helps make it possible to file a claim in a timely manner. It’s important that you get as much information as possible to protect yourself. Here’s an accident checklist showing what you should collect so that your claims adjuster can do their job in investigating the claim:

  • VIN of all vehicles
  • License plate numbers
  • Registered owner’s name and address
  • Driver’s license number of operator
  • Phone number of driver, passenger, owner and witnesses
  • Insurance company name, policy number, phone number, expiration date

Step Six: Call Law Enforcement or the State

If the driver runs or you’re unable to collect insurance information, you have the right to get information through the police, traffic courts, the motor vehicle agency or your insurer. An accident is one qualifying event under the Drivers Privacy Protection Act that gives you the right to access insurance records.

Finding out insurance information can be a hassle, but it’s easier when you file a claim. If you’ve suffered a loss, your insurer will try hard to get insurance information. Claimants who aren’t happy with the service their insurer has provided should start to shop for coverage. Use an online comparison tool, and get quotes through more reputable companies that fight for their clients. Enter your zip code in our FREE tool below to start comparing car insurance rates!

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