Wisehart Wright Trial Lawyers | July 1, 2026 | Car Accidents
After a car accident in Ohio, the at-fault driver can be held responsible for all the damages and injuries they caused. If you have been hurt in an accident, you may be able to file a claim with the other driver’s insurance company. However, you may be wondering how to find out whether that person has insurance.
There are a few ways to find out, so keep reading below to learn what you need to do.
Ohio Car Insurance Requirements
If you want to drive a car in Ohio, the law requires you to carry liability insurance on the vehicle as a matter of public policy.
Vehicle owners may not allow anyone else to drive their vehicle if it does not have insurance, and drivers in Ohio must carry certain minimum coverage as follows:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more people
- $25,000 for property damage
Ohio requires drivers to carry liability insurance to help protect the public. This ensures that victims of accidents can recover compensation for their injuries. Unfortunately, some drivers choose to break the law and drive even though they don’t have any insurance.
Determining Whether Another Driver Has Car Insurance
There are a few different ways you may be able to find out whether someone has car insurance, and the most common reason you need to know this information is when you have been involved in an accident.
Some ways to learn about another driver’s insurance status are:
Ask the Other Driver
One of the easiest ways to determine if someone has car insurance is to ask them. After an accident, it is common for the drivers to exchange information with each other.
This includes:
- Name
- Address
- Phone number
- Insurance information
You can simply ask the other driver to share their insurance information with you, but if they refuse or get belligerent and angry, do not push the issue too hard. There are other ways you will be able to find out if they have insurance.
Check the Accident Report
You should almost always call the police after an accident, and the officer will gather information from both drivers to include in the accident report. This includes both drivers’ insurance details. You can typically obtain a copy of your accident report through an online portal just a few days after your accident. The report should give you all the insurance details you need.
Contact the Ohio BMV
In some cases, the Ohio BMV can help you determine whether another driver has insurance, although you may need some additional details, such as:
- The other person’s name
- The date of the accident
- The vehicle’s VIN
Whether or not your request is fulfilled may depend on why you are requesting the information. It’s more likely that the BMV will help you if you are trying to gather information after an accident. If you are requesting the information because you are simply curious, your request might be denied.
Contact Wisehart Wright Trial Lawyers for a Free Consultation With a Westlake Car Accident Lawyer
If the other person was at fault for your accident, you can file a claim with their insurance company. You may be entitled to include both economic damages and non-economic damages as part of your claim.
For more information, contact the Westlake car accident law firm of Wisehart Wright Trial Lawyers to schedule a free initial consultation.
We have five convenient locations in Ohio: Sandusky, Port Clinton, Vermilion, Norwalk, and Huron.
Wisehart Wright Trial Lawyers – Sandusky
502 W Washington St,
Sandusky, OH 44870
(419) 625-7770
Wisehart Wright Trial Lawyers – Port Clinton
132 Madison St,
Port Clinton, OH 43452
(419) 871-3995
Wisehart Wright Trial Lawyers – Vermilion
1513 State Rd,
Vermilion, OH 44089
(440) 967-6136
Wisehart Wright Trial Lawyers – Norwalk
13 Whittlesey Ave,
Norwalk, OH 44857
(419) 863-5922
Wisehart Wright Trial Lawyers – Huron
202 Cleveland Rd W unit 1
Huron, OH 44839
(419) 827-5884
Wisehart Wright Trial Lawyers – Westlake
24610 Detroit Rd Suite 230,
Westlake, OH 44145
(419) 502-5821