How do you find the insurance information for the registered owner of a car?

Question

The Person driving the Car that hit our car gave the officer HIS policy information. NOT the registered owners policy information. When I called the Insurance agency They told me They do not have that Car on ethier of ther policys and that Her *the Registered person for the car) was canceled but there was never coverage for the car that hit ours. So We are left with Trying to find out Where if she is at all Insured at so we can get our car fixed. Is this possiable without calling her. I do not want to call them after all ifyou lie to the cops why would you tell a stranger the truth?

Answer 1

i'm not sure what is the best way to answer this question, however, i did stay at a holiday inn express last night!

Answer 2

The person made a mistake, albiet an honest one. Insurance companies insure vehicles, not drivers, unlike the inaccurate answer above. When you lend your car to someone, you lend them your insurance.

When you called the insurance company that wrote the policy you were given, they correctly said that they don't have that car on their files, because they don't: it wasn't that person's car.

This probably isn't an issue for the cops, but an issue for your insurance company. Simply call them and explain the situation: you were given insurance information that is invalid, and thus you do not have any recourse within your grasp. What should happen is that they will let you file an uninsured motorists claim: this is the kind of insurance that covers you if the person who hits you doesn't have insurance, gives invalid information, or hits and runs.

The insurance company, under their powers of subrogation, will then attempt to subrogate, i.e. file legal action in court to discover the owner of the vehicle and go after their insurance company for the damages. But that's not your problem: they'll do that without even involving you, though you may have to make a court appearance to testify as to what happened.

But the police probably do not need to be involved. Your insurance company should be able to handle things for you.

Answer 3

That is hard to answer. Not all states keep a list of insurance information on vehicles. For example in Kansas you have to give your insurance information when you tag and renew your car. Kansas keeps a database of this. In Missouri they do not keep a database. It just depends on the state. I worked claims for many years and it has always been my experience that the cops will not be any help in tracking down the insurance for the other person. They are too busy to worry about uninsured people especially in what appears to be a smaller collision. I would contact the registered owner and the driver of the vehicle. If they will not give you the information you need you can either get your insurance company involved (they usually have better resources) or you can take to small claims. Good luck.

Answer 4

evaluate expenditures from the superb companies at - INSUREGRADE.data- RE Do (uk) motor vehicle insurance companies would desire to understand the vehicle's registered handle? i'm a student and for this reason spend maximum of my time removed from homestead - I get carry of correspondence to my college handle and my motor vehicle is stored there a great style of the time. if truth be told each and every of the small print on my insurance are superb. The question I even have, even nonetheless, isn't any count if the insurance companies would desire to understand the registered handle of the motor vehicle (that's at my determine's homestead - i'm the registered proprietor)? I phoned my insurance enterprise right this moment who looked as though it would think of the present information they held became into ok, yet i've got heard approximately companies refusing to pay out over average discrepancies interior the information presented. would desire to it probably be an argument if I had to make a declare however the insurance enterprise did not have the vehicle's registered handle on record?

Answer 5

The police department can run the plate to find out that information. More easily, your insurance company can look into it. The very real possibility is that there is no insurance on that car at all - if the car is in the same household as the policyowner (driver), AND it's not listed, then their coverage does NOT carry over.

You might end up having to sue both the owner, and the driver, in court. But if you go through your insurance, they'll do it for you.

Answer 6

You have to tell the police that the insurance information was not valid. They need to know so they can write a citation for an uninsured motorist.

Usually, insurance follows the person, not the car. Like I am insured no matter what car I drive, even rental cars. If the driver does not have insurance, then you can go after the registered owner because they let an uninsured motorist use their car.

But as I said, if the insurance information provided is false, this goes back to a police matter. Then once the police contact them, they may or may not get different info, but in the end you may wind up having to go to your own insurance if you were smart enough to have uninsured motorist coverage.

Answer 7

The insurance for the driver should be able to cover for the damages if they are found to be at fault for the accident. That incident happened to me, and my insurance covered the damages for an accident that I was in even though the vehicle I was driving 1) was not registered to me, and 2) was not insured. It's a mess, but either you go after the insurance company (as greedy as they are) or you sue both the driver and registered owner. Either way, it'll get fixed and you most likely would HAVE TO contact the owner and she would have to tell you the truth otherwise you can threaten her with a civil suit.

Answer 8

Cop should be able to run a dmv on the plate on the car, get you the owner and insurance policy number. If no, get a detective to do it for $50

Answer 9

Depends on the state the car is registered in, some keep this info and will release it as needed to law enforcement..

Fastest way in my experience, file in small claims court file (or regular court if the damages are over the threshold), and have the owner and driver served..I guarantee they will be more than cooperative in providing any info you need when they are served. Cost for filing in small claims is usually under $50, add another $40-80 for the process server..small price to pay to get your car fixed imho

Answer 10

Contact the DMV to do a trace on the car that hit you. You may also have uninsured motorists coverage on your policy, so your insurance company will pay out on the claim, and it should be treated as a non-chargeable accident (very important to be sure it is non-chargeable, so your insurance rates don't skyrocket).

Answer 11

Have you tried the Registry of Motor Vehicles? My daughter was rear ended in her Altima and the Police Department also found information re. the subjects insurance info.