How to Find Out if a Driver Has Auto Insurance

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    • 1). Gather together and record all of the information you have on the driver and his vehicle. Ideally, this list will include the driver's full name, address, driver's license number, license plate number and VIN number. If you don't have all of this information, you may still be able to find the information you need. But a name, city and state is the bare minimum you will need to get started.

    • 2). Establish the circumstances of the search for this information, such as whether you're investigating a driver that you've been in an accident with or whether you're approving someone for a job. Depending on the circumstances, you may have reason to believe that the person you're investigating is trying to deceive you into believing that he has insurance when he really does not.

    • 3). Contact and ask the driver to provide you with proof of insurance if the circumstances allow. For instance, if you are preparing to rent a car to someone or hire someone as a personal driver, it would be perfectly appropriate to ask for this information. Upon receipt of a copy of the driver's insurance card, you can decide whether you find this proof to be sufficient.

    • 4). Contact the insurance carrier listed on the driver's insurance card if you suspect that the card may have been falsified. Provide a customer service representative with the name and policy number on the card, and explain that you're just checking to establish that the policy is still active and in good standing.

    • 5). Obtain a copy of your accident police report if you are investigating a driver with whom you've had an accident. The report can be obtained by contacting the police department that investigated the accident, and it may contain all of the other driver's insurance information.

    • 6). Request help from your auto insurance carrier if you are still trying to verify the insurance information of a person that you've been in an accident with. The company may be able to use its resources to get the information for you.

    • 7). Call your local Department of Motor Vehicles as a last ditch effort if you are still looking. Explain what information you're looking for and inquire about what the law says about your access to the information. The DMV staff should be able to tell you if it is legal to request this information in your state and, if so, how to go about doing it.

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