1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    About the only way to verify whether or not someone has auto insurance is to ask them. If they have coverage they should be able to show you a proof of insurance card from their current carrier with the dates the policy is effective. Privacy laws prevent carriers from disclosing most information about their clients, with limited exceptions.
    Answered on October 3, 2013
  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    If you are involved in an accident with another party, especially if it is their fault, it is always best to contact the local police in order to file an accident report.  The investigating officer will among other things, ask to see that each of you have proof of car insurance, since in most states, having coverage is state law.  The insurance company name and policy number will then be written into the officer's report.  You are entitled to a copy of that report and can therefore contact the other party's listed company to open a claim with them.  Provided that that process goes smoothly and you are not told that the policy had cancelled, they have coverage.
    Answered on June 17, 2014
  3. 992 POINTS
    Phil Tuccy
    Owner, Insurance Group Consulting, LLC, Florida
    It used to be easy but with privacy protection laws in-force, it now takes some work.
    Without knowing the reason why you want the information, bear in mind that you will need to demonstrate a legal need for it. You can check with the local police department but you will most probably have to file a police report and provide a solid and legal reason for needing to know about another's insurance situation. You might also check with your State motor vehicle administration but again, your request will not be honored unless you can provide a reason for your request that is in compliance with the laws.
    Answered on August 11, 2014
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