Before you decide to go with any particular auto insurance company for your coverage, shop around online to compare the available rates. No matter if the other driver has insurance or not, call the police and file a report. The sooner you make arrangements to get your auto insurance coverage reinstated or find different coverage, the lower your risk of being involved in an accident without coverage. If you have this coverage, your insurer will cover the costs of repairs to your vehicle if you were the victim of a hit-and-run or the other driver doesn’t have insurance. Check the vehicle’s VIN with appropriate government agencies or your state bureau of motor vehicles. If you know someone is driving uninsured, it’s your responsibility as a driver and a citizen to alert the proper authorities. Are you in a situation where you need to know if your estranged spouse is keeping coverage on the car? It’s important to choose the option you can afford, but don’t forget to ask about installment fees. Your insurance card will have your auto insurance information, including your auto insurance company. A maximum of five searches can be conducted within a 24-hour period per IP address. If you can’t get the information yourself, it’s wise to contact your state’s department of motor vehicles (DMV), which is also known in some states as the Bureau of Motor Vehicles (BMV) or Motor Vehicle Division (MVD). How can I access my auto insurance contract? Check your last invoice to see when your payment is due. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paid, Fine: $200 to $5000; license suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty fee, Fine: $200-$5000 fine and/or 15 days to one year in jail — within five years; license suspended for 90 days and registration revoked until proof of insurance, Fine: up to $750 fine and up to six months in jail. If you received a notice, your vehicle identification number (VIN) may be incorrect on either your title or insurance policy. The VIN is a 17-character string of letters and numbers without intervening spaces or the letters Q (q), I (i), and O (o); these are omitted to avoid confusion with the numerals 0 and … He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. The officer should provide you with a report number that you can give to your insurance company. When your policy is coming to an end, it’s a great time to start comparison shopping to make sure you have the right coverage at the right price. We’ll discuss how you can get the police to help you with this and other insurance-related issues later on in this article. Regardless of how you determine if you have valid insurance, you cannot drive a vehicle legally without it. Licensed Auto Insurance Agent. In fact, some Secretary of State offices are so on top of your insurance that they’ll even let you know if your policy is up to date (Texas is a state in which you can do this). On average, 13% of drivers are uninsured in the United States. The driver’s license number and the driver’s address can also be used to check if a vehicle is insured. In most states, you’re free to buy either a six-month policy or a 12-month policy. This will determine what your insurance company is responsible for. Additional penalties will apply, if convicted of driving a vehicle with a suspended or cancelled registration. Voluntarily Cancelling Registration. Will I have to provide proof of ownership after an accident? It is usually located on the lower left-hand corner of the dashboard and can be viewed by looking through the windshield on the driver's side from the outside. Each company will control the length of the term offered. While the information you find depends on the laws of the state you live in and how much information they’re able to disclose, this guide will walk you through how to find out someone’s auto insurance company by license plate and more. There is no single motor insurance database for the U.S. (unlike in other places, like the U.K.). According to FindLaw, because you have an insurable interest in the car, you can call the insurance company directly and ask them if it’s insured. What is it, and how does it pertain to auto insurance coverage information? If you cannot locate copies of your bills for your auto insurance rate, you could check your bank records to find the name of the company you have been paying for auto insurance coverage. If you have lost your copy of your proof of insurance card, it is free and easy to request another one be mailed to you from your auto insurance provider. If you do not have paperwork you can find from your auto insurance company, there are a few easy ways you can find out which company provides your coverage. Fine: $50; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee, Fine: $100 within three years; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee. If you do not own a car, you can purchase non-owners auto insurance by using a comparison tool. If you are researching a commercial vehicle, visit BigRigVIN.com. No reinstatement fee. Conduct a title search of the vehicle. When is an online auto insurance policy helpful? Yes, depending on the company. To find a non-owner auto insurance policy, you can use an insurance comparison tool. .quote-new-360-mda .responsive-mda .mda-contents { margin: 10px 10% 30px 10%; } If there’s a way to avoid filing a claim, your agent should provide you with that information. And this particular law might not seem like a big deal until it affects you. Don’t have time to visit the DMV in person? Through this web portal, you can find a car insurance status check in India. You can find a car’s VIN number by looking on the driver’s side of the vehicle, either at the corner of the vehicle where the windshield meets the dashboard or on the doorpost of the driver’s side front door. If the company charges a high fee, try to keep the installments to a minimum. You can also find a VIN number on a vehicle’s insurance card, title, and registration. If you would like further historical information regarding this vehicle, visit VinAudit.com. After you press Search, you'll be running the car's VIN against a huge database of severely damaged or stolen vehicles. You want to have an idea of what coverage you have and the limits associated with that coverage. This is a great time to compare rates to make sure you are getting the best deal. You can also always call the police and they will be able to help you verify whether an auto insurance policy is active. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. Auto insurance policies are usually six months with the option to pay in full or make monthly payments. Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). Knowing how to find your auto insurance policy number online will save you time. An additional source for vehicle history data can be found on the National Motor Vehicle Titling Information System (NMVTIS) website. If you're searching a motorcycle, click for additional information from CycleVIN. The insurance company doesn’t want you to file a claim any more than you do. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. If you get to the stage in which you have to figure out another driver’s auto insurance info on your own, make sure to contact your local DMV for further information. If you'd like further historical information on this vehicle, visit ClearVin. They will be able to tell you if your policy is up to date or if it has expired. It’s important to understand what your policy entails with its coverage, your rate, and any applicable endorsements that you may have. Here’s Where to Get a Completely Free VIN Check! If you don’t know when your payment is due and you miss a payment, your coverage will be terminated for non-payment. Start saving today by comparing affordable auto insurance rates side by side. Courts may add up to 40 hours community service, $1,000 minimum fine and license suspension for 4 months; 4 points against your license. 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