When you are involved in a car accident, knowing what the at-fault driver’s car insurance covers may be a big part of your claim. Unfortunately, you may have difficulty getting answers from the auto insurance provider about coverage and limits. Without answers, you may have difficulty filing your car accident claim or getting the compensation you are entitled to.
So how do you trace a car insurance policy if you do not have access to the auto insurance policy? If your state’s Department of Motor Vehicles (DMV), privacy laws, or the insurance agent is making it difficult to get your insurance information, reach out to our team at Pacific Liability Research. We can help you identify the liable party’s liability insurance coverage, giving you access to the resources you need.
The Car Insurance Policy Tracing Process
If the at-fault driver fails to provide you with the proper information, you may need the aid of our tracing services. But what can you expect as a vehicle owner involved in a crash? It may be more complex than contacting your local DMV and asking if the driver who hit you was insured.
First, we will verify insurance coverage exists. We can review the insurance company’s policies and use the driver’s own vehicle information to determine whether they have auto insurance coverage. Once we determine the policies on the vehicle and others involved, we can take further action.
After this, we will seek out information about the specific coverage, which can vary based on auto insurance rates and other factors. Our team can determine whether insurance providers are playing fair by knowing what your claim is worth.
Research and Documentation
Filing a car accident claim with the insurance company, especially when small claims court is necessary, can be complex. You may not have the tools to keep track of all the details and specific information about the liable party’s insurance coverage and covered losses. Fortunately, we can help.
While tracing a car insurance policy, you may need any of the following information:
- Vehicle registration number
- The police report
- Driver’s license number
- Vehicle identification number (or VIN number)
- Proof of your own insurance
- License plate number
- Other vehicle information
The Benefits of Car Insurance Policy Tracing
When you need help with an insurance policy search, you may find yourself without the right tools. However, you never want to be blindsided in court by the insurance companies, which can lead to a loss of the coverage you need following a car accident.
First, before you file an insurance claim, you can go into your case aware and prepared for anything. You never want a nasty surprise when you are in court, and we can help you avoid this. Our team can also keep you informed about the liable party’s personal car insurance policy. If we cannot find proof of coverage for you, you will not pay us anything.
Challenges and Limitations
One of the biggest impacts on your insurance policy is fault states, where someone else’s insurance will be your source of compensation. Unfortunately, someone’s insurance policy may not be enough, especially if an uninsured driver hits you. When you cannot rely on the policy of the other driver’s insurance company, you may need to determine the limits of your uninsured motorist insurance.
You may also have difficulties on your own identifying a paper trail if you keep everything in an online account. If you are unable to access this account, proof of insurance and other vehicle information may be difficult to gather.
Get Help Tracing a Car Insurance Policy
Getting answers for basic information from insurance companies or even your state’s DMV can feel impossible. Fortunately, we can help you track down the relevant information you need.
At Pacific Liability Research, we understand how important understanding insurance policy limits and covered losses is. We offer various ways to trace all the documents you need, including the liable party’s car insurance policy, so you know what to expect before your day in court. When you are ready to speak with a team member about tracing the car insurance policy in question, reach out for guidance. Contact us by calling or filling out our online contact form.
