Generally, when you are in an accident, the investigative police officer will ask all parties for their insurance information. If you do not have it, he very well may issue you a ticket for not having the license. Thus, the easiest place to get the other person’s insurance information following an accident is on the police report. However, if the other driver does not have the insurance information, then the policeman cannot put the insurance information on the police report.l This happens for various reasons: the driver simply lost the insurance card or did not bring it with him/her, the driver is not the owner of the car and does not have the insurance information, or of course there is a possibility that the car does not have insurance and is being driven illegally.
In Florida, in order to get a license tag and to get your tag renewed, you must prove to the State of Florida that you have valid car insurance with the minimum coverages required by Florida law. All of the insurance information is kept in a central location by the State. Thus, I regularly write to the State of Florida on behalf of my client seeking the insurance information of the other car. Contemporaneously with that letter to the State, I also write to both the owner and driver of the car seeking their insurance information directly. Within a couple weeks, I will get a response from the State advising of the other driver’s insurance or sometimes it may advise there is no record of the insurance. In terms of writing directly to the owner and driver, in some instances those clients forward my letter directly to their insurance company and I get a response from the insurance company and other times I get a letter from the owner/driver giving me the insurance information. Of course, in some instances, we do not find insurance.
Other options are that a lawsuit could be filed against the owner and driver of the car and through the legal process you can find out the insurance, assuming there is insurance on the vehicle.
And here is a helpful link to some other questions that you may have: http://www.flhsmv.gov/ddl/frfaqcrash.html
