How to Find Out if Someone Has Auto Insurance in Texas (2024)

You can find out if someone has auto insurance in Texas by taking their information down and contacting their insurance company or contacting the police or DMV.

All drivers in Texas must carry the Texas minimum auto insurance requirements, but some drivers may break the law and be uninsured. Knowing how to find out if someone has auto insurance in Texas is extremely important in cases of hit and run or if a driver refuses to give their information after an accident.

Read our comprehensive guide to learn how to get Texas auto insurance verification. If you’re looking to find cheap auto insurance rates in Texas after an accident with an uninsured driver, enter your ZIP code into our free tool above.

3 Steps to Find Out if Someone Has Auto Insurance in Texas

Whether you’re verifying coverage or dealing with a hit-and-run accident, there are several steps you can take to find out if someone has auto insurance in Texas. By following these steps, you’ll be aware of the legal requirements for auto insurance in Texas.

Step #1: Collect Driver Information

After an accident, you might find yourself wondering, “Can I check if a vehicle is insured?” If you know what information to collect and what steps to take to verify auto insurance in Texas, you can easily find out if the other driver was lying about having coverage.

Knowing how to find someone’s insurance information will protect you from expensive accident bills if the other driver disappears into the sunset after giving you false information. Let’s start by going over what information is needed to find out if someone has auto insurance coverage.

If you’re in an accident, you need to collect as much information as possible to make sure a Texas driver is insured. It would help if you tried to collect all of the following:

• Driver’s Contact Information: Name, address, and phone number
• Driver’s Insurance Information: Insurance company and auto insurance policy number
• Driver’s Driver Information: Driver’s license number and license plate number
• Driver’s Vehicle Information: Make, model, year, and color of vehicle

You will also need to collect this information when you are simply checking on coverage before driving a car, such as if you check if a friend has insurance before you borrow their car. While it may seem straightforward to exchange information at an accident, there are always cases where the driver won’t give you information or drives off after hitting you. Read on to learn what you should do in these cases.

Step #2: Verify With Insurance Company

Once you have the information, call the other driver’s auto insurance company to verify that they have insurance coverage. You will need the information you collected before verifying proof of insurance.

If the driver didn’t give you information or drove off, then you will need to contact the police or the Texas DMV for help with a hit-and-run (Learn More: Does car insurance cover a hit-and-run?). You may also need to contact the police or Texas DMV for help with car insurance verification if the driver gave you false information.

Step #3: Contact Police or DMV for Further Assistance

If a driver doesn’t give you their information after an accident, you should call the police and get them involved to check vehicle insurance (this is a smart move to make after most accidents, regardless of whether the other driver offers their information).

If the person drives off after the accident, write down as much information as you can for the police and your insurance company. The most important thing to record is the license plate number, as police can find insurance with license plate numbers. Recording the make, model, and color of the car is also a great help to the police.

Another way to make sure a driver is complying with Texas insurance laws and regulations is to visit the Texas DMV in person to find information on the driver with a DMV insurance check.

You can also allow the police or your insurer to handle these investigations into Texas vehicle registration, as they will have more authority and better access to databases to look up car insurance by license plate. They will check if the driver who hit you is following Texas auto insurance laws or is driving illegally without insurance.

Finding the Best Deal on Texas Auto Insurance

Because all drivers in Texas must carry auto insurance to drive legally in the state, it’s important that you find the best Texas auto insurance to protect yourself. Shopping around at different Texas insurance companies will help you find the best deal on Texas car insurance.

Texas Auto Insurance Monthly Rates by Coverage Level & Provider

You will need to carry at least minimum coverage to meet Texas state requirements. If you have a leased vehicle, then your lender will also require you to carry collision and comprehensive insurance for a full coverage policy.

Importance of Texas Insurance Verification

All drivers must carry auto insurance in Texas, so it’s important to verify coverage if you are in an accident or are borrowing someone’s car. Drivers driving without auto insurance in Texas are breaking the law, which can result in financial issues for other drivers.

If you are unable to verify that a driver has auto insurance with their insurance company, contact the police or DMV to check insurance status.

It is best in most situations to contact the police to verify coverage if involved in an accident, especially if the other driver can’t provide Texas proof of insurance.

Now that you know more about how to find out if someone has auto insurance in Texas, enter your ZIP code in our free tool below to find quote comparisons for Texas auto insurance rates.