Understanding How to Track an At-Fault Driver’s Insurance Using a License Plate in the Event of a Roadside Incident
Accidents on busy highways can happen in the blink of an eye, especially when debris like traffic cones unexpectedly fly out from large trucks. Recently, I experienced this firsthand while driving on a California freeway. A traffic cone loosened from the back of a passing truck and struck my vehicle’s front bumper, causing noticeable damage.
Fortunately, I managed to capture the incident on my dashcam, which allowed me to record the license plate number of the truck responsible. Immediately after the incident, I submitted this information to my insurance provider. However, they encountered difficulty obtaining the vehicle’s VIN directly from the license plate, prompting me to use various online resources to locate the vehicle details needed for the claim.
This situation raises an important question: can an insurance company or claims adjuster identify the at-fault driver’s insurance information solely based on the license plate? In most cases, law enforcement agencies and insurance companies can access the registered owner’s details through license plate databases. These systems, operated by state DMVs or authorized third-party providers, can typically provide insurance information associated with the vehicle’s registration. However, access may depend on your location and whether law enforcement is involved.
If you find yourself in a similar situation, here are some recommended steps:
-
Report the Incident to Authorities: Filing a police report not only documents the event but can also facilitate access to insurance details and establish an official record.
-
Notify Your Insurance Provider: Share all available evidence, including dashcam footage, photos of the damage, and the license plate number.
-
Seek Assistance in Identifying the Vehicle and Insurance Details: Insurance adjusters often have access to specialized databases to retrieve the vehicle’s insurance information based on the license plate.
-
Document Everything: Keep thorough records of the incident, your communications, and any external evidence, such as photos or videos.
-
Consider Legal Advice if Necessary: If insurance efforts prove unsuccessful, consulting with a legal professional experienced in auto claims can help you understand your options.
Dealing with roadside incidents involving debris can be stressful, but understanding the process of tracking the responsible party’s insurance can make the recovery process smoother. In most circumstances, insurance providers can identify the vehicle’s insurance coverage using the license plate, especially when backed by official reports and evidence.
Have you experienced a similar situation? Sharing your insights or tips can help others navigate complex claims more efficiently.
