How to Find if a Vehicle Has Insurance Coverage or not?

If you are a victim of a hit and run accident and know the license plate number, there are several ways of finding out if the offending car has insurance or not. Knowing its status is probably the first step in deciding what to do next and where to submit a claim for the losses. We will look at the ways to get the necessary information and other means of dealing with the issue below.

How to Find out If Someone Has Auto Insurance or Not?

You would report a hit and run accident to the police. Fleeing the scene of a crash is a felony. They will find who it was and hold him/her accountable and possibly charge with this crime. So, they would use law enforcement resources to find out the owner of the vehicle that caused the accident and make him/her pay. You can still call them to a scene if the other motorist isn’t co-operating and refusing to give his/her details. This would make the other party to disclose vehicle insurance details and inform their carriers of a possible liability claim. Otherwise, they would be charged with driving uninsured as well.

Another alternative is to apply to DMV with the police report. Most DMV offices should be able to look it up for you especially when it is clear why you want such information. Otherwise, they would be able to tell you which agency you should apply to get it. They have the information and they should be able to give it to you. You will probably need to fill a form explaining who you are and why you want it and present the report. There may be a small fee for this service.

Your current car insurance company or the agent would help you on this as well. They have resources to track down the owner of a vehicle. However, you should make sure that they don’t open a claim for this incident if you are still exploring the avenues as to how to deal with it.

It is easy to make a claim on your Collision or Uninsured Motorist coverage in this case. But you would rather go through a third party carrier to avoid a claim on your policy because it will increase the premium from the next renewal. Besides hit and run driver must be found and made to pay for causing the accident and running away. However, such incidents highlights the importance of having sufficient protections just in case the other side couldn’t care less.

How to Chase at Fault Drivers and Get them Pay?

Also, You can contact a lawyer. A law or specialist firm can help you out in chasing the people who aren’t willing to settle the losses they caused. They would have the legal grounds to inquire about particular vehicle coverage, as you have an interest on it. When you have a case to claim on another policy you would automatically have interest on it.

Taking this route may be advantages in several ways. First of all, they usually are able to charge their expenses to third party persons or carriers. So, it wouldn’t cost you anything to employ them. Secondly, should the person have no coverage they can advise you on the next course of action.

They would be able to find out if the at fault motorists have assets and able to settle the damages. And advise you on how to proceed. If they believe they can make the others pay for it they will not hesitate to take them to court. In such cases, you have to enquire about the costs. Either you should be able to handle their fees or make sure that they only work on a no win no fee basis. You don’t want to end up losing more while you are trying to get a fender bender paid.

As a final note, you should always consider the worst-case scenario when you are arranging automobile insurance coverage. If you are a busy person you wouldn’t want to deal with all these chasing around. Assuming you have sufficient coverage, you would contact your carrier and let them deal with the repairs. Then, they would try to recoup the costs, which should have been paid by others, through subrogation and pay the deductible back to you. And in such cases, it would go down as a no fault accident and your premium wouldn’t go up at the next renewal.

An auto policy offers so many benefits you may not realize and peace of mind, like in this case. Along with compensating policyholders companies do so many chasing around at the background that they are hardly known or appreciated for it. If you are worried about premium costs you can always find the cheapest quotes for the coverage you need and make it affordable that way. Why not try our platform above and see if it can help.

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