How to Find out if a Vehicle is Insured

Every state in the United States, except for New Hampshire and Wisconsin, requires every vehicle operated on public roads to be insured. Nevertheless, a 2008 study by the Insurance Research Council revealed nearly 14 percent of drivers are uninsured; this percentage is expected to increase sharply due to the economy. If you you have been in an accident with another vehicle, you should verify insurance coverage on the vehicle before leaving the accident scene.

Instructions

1. Locate and write down the VIN (Vehicle Identification Number) and the license plate number of the vehicle in question. Look at the base of the driver's side windshield for the VIN plate, which will be located just inside the glass; federal law requires all VINs to be stamped there. If you cannot make out the VIN, look on the inside of the driver's door panel.

2. Contact your local Department of Motor Vehicles (DMV), or the DMV of the state in which the vehicle is registered. Each DMV keeps statewide records of vehicle registrations and insurance.

3. Explain to the DMV representative that you suspect a vehicle is uninsured. Provide the VIN, the license plate number and the owner's name (if known). The representative will let you know if the owner has recently been notified of insurance cancellation.

Tips & Warnings

• If you are able to obtain the driver's insurance card, contact the insurance company and provide the same information to them. The insurance company will verify insurance coverage.

• New Hampshire and Wisconsin do not require that drivers keep insurance on their vehicles. These states may not keep detailed insurance records.

References

• The Brazil Times
• Insurance Research Council

Resources

• VIN Locations on Vehicles