There are a few reasons why you may need to find out if someone has auto insurance coverage. Perhaps you were the victim of a hit and run. Or, maybe you need to verify auto insurance for employment reasons. The easiest way to find this information is to ask the individual. If this is not an option, locating this information will require some research.
Read the Driver's Privacy Protection Act (DPPA). Drivers are protected under the DPPA. This law provides specific examples of legal reasons to research and obtain someone's personal motor vehicle information. If you do not have a legal reason to obtain this information, you are breaking the law.
Contact your local police department. If your reasoning is accident- or criminal-related, you can file a police report and they will pull the individual's driving record and find out if that person has auto coverage. Gather as much information as you can on the individual before contacting the police. Helpful information includes: name, address and/or number plate number.
Contact the Department of Motor Vehicles (DMV). If your reason is not criminal- or accident-related, request this information from your local DMV. Gather as much information as you can on the individual and fill out a request form. The DMV can provide you with driving records containing information on an individual's registration, vehicle type, points, and insurance coverage and gaps.
Pay the fee. The DMV will charge a modest fee for this information. Check with your local DMV for the current fee schedule.
Find out if someone has auto insurance coverage. Information regarding a person's auto insurance will be released to you if the DMV or the police department feel your request is in compliance with the law. If your request is denied, hire a private investigator to help you.
There are websites that claim they can help you locate a person in order to obtain information on his insurance provider. However, these websites may or may not have the information you need, will charge a fee, and cannot validate your legal reasons.