How to Track Insurance Details Using a License Plate After a Roadside Incident
Encountering unexpected road hazards is unfortunately a common part of driving, especially on busy highways. Recently, I experienced an incident in California where a traffic cone, dislodged from a truck ahead, struck my vehicle’s front bumper, resulting in noticeable damage.
Fortunately, my dashcam captured clear footage of the incident, including the license plate of the truck responsible. I promptly shared this information with my insurance provider. However, they encountered difficulties retrieving the Vehicle Identification Number (VIN) solely from the license plate. To assist, I utilized various online tools to obtain the VIN and provided it to my insurer.
This situation raises an important question: Can an insurance company or claims adjuster identify the other driver’s insurance coverage solely through the license plate number? Ideally, I hope they can, as I prefer to file a claim against their insurer rather than covering the repair costs out of pocket.
If you find yourself in a similar scenario, consider these steps:
- Capture clear visual evidence and record vehicle details when possible.
- Share all available information, including license plates and footage, with your insurance provider.
- Use reputable online resources to look up vehicle details if needed.
- Confirm with your insurance company whether they can directly determine the at-fault party’s insurance coverage from a license plate.
- Keep thorough records of all communications and evidence related to the incident.
Has anyone else navigated a similar experience? If so, sharing your insights can be invaluable for others facing the challenge of identifying responsible parties after roadside incidents.
Disclaimer: Always consult with your insurance agent or legal advisor for personalized guidance.
