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How to Find Out if Someone Has Auto Insurance in Texas [2020]

Texas Uninsured Motorists Overview
Texas Uninsured Motorists FactsDetails Source
Percentage of Uninsured Drivers in Texas14.1%Insurance Information Institute
Texas USA State Rank for Uninsured Drivers16th Insurance Information Institute
Required Insurance in TexasBodily Injury Liability
Property Damage Liability
Personal Injury Protection
Insurance Information Institute
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How can you find out if someone has auto insurance in Texas? 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 what steps you need to take to find 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.

Table of Contents

How to Tell If Someone Has Auto Insurance in Texas

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.

This 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 in the process of how to find out if someone has auto insurance coverage.

What information will I need to verify someone has auto insurance?

What do I do if I’m in an accident? How can I find out if a driver is insured in Texas? If you’re in an accident, you need to collect as much information as possible to make sure a Texas driver is insured. You should try to collect all of the following:

  • Driver’s Contact Information: Name, address, and phone number
  • Driver’s Insurance Information: Insurance company and 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

Of course, 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.

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What if another driver won’t give me his info after an accident?

How do I find out if a car has auto insurance coverage if a driver won’t give out information? If a driver won’t give you their information after an accident, you should call the police and get them involved (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 run plates to find the vehicle’s owner. Recording the make, model, and color of the car is also a great help to the police.

Can I go to the Texas DMV to verify auto insurance?

If you want to make sure a driver is complying with Texas insurance laws and regulations, the first thing you can do is visit the Texas DMV in person to find information on the driver.

You will need a valid reason to ask for insurance information, such as being the victim of a hit and run or a driver refusing to give insurance information. A police report will be useful in cases like these.

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. They will check if the driver who hit you is following Texas auto insurance laws or is driving illegally without insurance.

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What website can I use to verify auto insurance in Texas?

Can I verify auto insurance on a website in Texas? Only authorized users (such as police officers) can access the Texas auto insurance website, TexasSure. What is TexasSure? It is a comprehensive database of insured drivers in Texas. However, again, you will not be able to access it. The good news is that the police or the DMV can.

Is TexasSure reliable? Yes, TexasSure is safe and reliable, as it was designed by the Texas DMV and insurance companies. What is the web address of TexasSure? You can find TexasSure at the following address: http://www.texassure.com/.

All insurers will input their customers’ insurance information into TexasSure. You can also find information about the TexasSure program though the Texas DMV’s website.

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

Frequently Asked Questions: How to Find Out If Someone Has Auto Insurance in Texas

To make sure you’re completely comfortable with Texas’ laws and how to find out insurance information, we want to go over a few frequently asked questions.

#1 – What is vehicle insurance verification?

This is a common term used to describe the process of finding out someone’s auto insurance information.

#2 – Are drivers in Texas required to carry auto insurance?

Texas proof of insurance requirements dictate that every driver must have insurance. According to the Insurance Information Institute (III), every driver in Texas must carry bodily injury liability, property damage liability, and personal injury protection.

The table below shows the minimum liabilty coverage required in Texas.

Texas Minimum Liability Auto Insurance Coverage Requirements
Liability Coverage RequiredMinimum Required Liability Coverage Levels
Bodily injury to or death per person$30,000
Bodily injury to or death per accident$60,000
Property damage per accident$25,000
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#3 – How can I find out which insurance I had years ago?

Your best option is to contact the DMV and see if they can find your old insurer based on your name, vehicle identification number, and other important information.

If you have old insurance documents, you won’t need to contact the DMV, as you can find your insurance ID and other important information on the documents.

#4 – Is the Motor Insurance Database in the USA?

The Motor Insurance Database (MID) verification system is only in the UK.

References:

  1. http://www.texassure.com/
  2. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

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