How To Find Out If Someone Has Car Insurance In New York City

New York mandates that all motorists carry auto insurance. Personal injury protection (PIP), bodily injury liability (BIL), and property damage liability must be included in your minimum coverage.

Duties After an Accident

After a car accident that causes injury or death in New York, you must:

  • Stop at the crash site.
  • Identify yourself
  • Notify the police of the accident.

If you fail to take these steps, prosecutors may file criminal charges against you. For fatal accidents, failure to stop is punishable by up to seven years in prison for hit-and-run.

Even if no one appears or feels injured, you should always exchange insurance information at the scene of an accident. Accident-related injuries can take time to manifest. For instance, symptoms of a concussion or other brain injuries may not appear until several days after the accident.

3 Ways to Find Out Whether the Other Driver Has Car Insurance

Typically, the other driver will initiate the exchange of information. The New York statute requiring you to identify yourself after an accident requires you to present your driver’s licence and proof of insurance. You can simply request the insurance card of the other driver. New York law requires that they show it to you.

Occasionally, however, this is simply not the case. Here are three ways to obtain insurance information in New York City after an accident:

The New York hit-and-run statute mandates that police assist drivers in exchanging information “reasonably and amicably.” In New York City, after a traffic accident, tempers can flare. The New York legislature instructs police officers to act as intermediaries in light of this knowledge.

You can avoid conflict with the other driver by requesting assistance exchanging insurance information from the NYPD officer investigating your accident.

Typically, the officer will hand your insurance card to the other driver and retrieve their card for you. This keeps the drivers separated while accomplishing the information exchange.

In New York, the investigating officer is required to file an accident report for any collision involving:

  • An injury
  • A demise
  • A commercial automobile

The accident report form utilised by the NYPD includes a section for each driver’s insurance information. The officers must complete your accident report within ten days. You can obtain a copy of your accident report from the New York Police Department or the New York Department of Motor Vehicles.

After an accident, the DMV allows you to request insurance information from other drivers.

To request someone’s insurance records, you must be aware of the following:

  • The date of the crash
  • Year and make of the opposing vehicle
  • The registered owner’s name

You must also possess a copy of the accident report filed with the DMV or by the police. When you submit this information to the DMV, a search will be conducted.

If anything is inconsistent, the DMV will deny your request. If everything checks out, the DMV will provide you with the insurance company’s name and the driver’s policy number; otherwise, they will inform you that the vehicle was not insured.

Using the Insurance Information

After determining whether someone in New York City has auto insurance, you and your attorney can file a claim against their liability coverage. This should allow you to negotiate a settlement for the damages you incurred as a result of your injuries.

After an accident, contact a New York City personal injury attorney for assistance determining whether the other driver has insurance.

Contact Our Personal Injury Law Firm

Contact Abrams Law Group for a free consultation if you’ve been hurt in an accident and require legal assistance.

Abrams Law Group
104-70 Queens Boulevard, Suite 502
Forest Hills, NY 11375
(718) 997-9797

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