How to report someone without car insurance?

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Here's what you need to know...
  • The law requires all drivers to cover their automobile with, at least, minimum coverage
  • If you are involved in an accident with a driver that does not have insurance coverage, you are able to sue them in civil court
  • Full coverage insurance will protect you in the event you are in an accident with an uninsured driver

Imagine you are driving down the highway on your way to a family reunion when out of nowhere a car swerves into your lane and sends both vehicles flying across the asphalt and into a neighboring field.

Luckily, no one is severely injured, but when you ask the other driver who their insurance carrier is, they reply, “I don’t have insurance!

At this point, your stomach drops and you feel like you are going to have a heart attack as you picture the thousands of dollars in costly repair bills you are likely to end up paying for yourself!

What do you do if this nightmare of a production casts you as the lead role? Read our guide to help figure out how to pick up the pieces after having had to deal with one of these unscrupulous drivers.

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By law, all drivers are required to carry adequate insurance coverage.


According to an article published on, all drivers are required to carry the state minimum amount of insurance before accessing public roads, streets, and highways.

In a perfect world, one need not worry whether the person driving the broken-down, “hoopty” car in the lane adjacent to them has been paying their insurance bill.

However, we do not live in this Utopian fantasy world and are required to contend with this reality nearly every time we get behind the wheel.

According to statistical data, nearly 15 percent of all American drivers in 2014 did not have insurance coverage on their vehicle.

Even more astonishing, in some states like Oklahoma and Florida, almost one in four motorists are not covered by an auto insurance policy.

A quarter of the drivers you see on the road every day are without insurance, which could create represent a massive economic punch to the gut if you wind up in an accident with them.

Penalty for Not Carrying Insurance

View sources for penalties here.

The penalty for driving without insurance varies by state. Knowing that so many motorists either cannot afford or simply choose not to pay for insurance is an extremely daunting fact.

State law prohibits drivers from using any motor vehicle on public roads and highways without being properly covered by an insurance policy, but because the punishments for being caught driving without insurance are so minor.

Many drivers will continue operating their vehicle uninsured in order to save money. It is actually cheaper to not pay for insurance and be fined repeatedly than it is to just pay for it!

Some states, such as Pennsylvania and Alabama are making attempts to curtail these infractions by making driving without a license, driving on a suspended license, and driving while uninsured criminal offenses that can result in jail time for the violator.

How do I report someone that does not have auto insurance?


Whether you were involved in an accident or are simply doing your civic duty to report someone you know is driving without being properly insured, there are several options available to you.

You are able to report the driver to your local police, but that may not change anything.

The police, typically, have more urgent issues to deal with and unless there is an immediate threat to the safety of the public because of this driver, they may not be able to do anything at all.

A better idea would be to contact the Department of Motor Vehicles in the state that issued the license plate of the vehicle in question.

The DMV representative will be able to provide you with additional information to report the issue. They may even have access to a dynamic database that can check on the status of the driver’s insurance coverage.

These are normally updated every few hours, so the information is generally valid. If the DMV determines the driver is not presently insured, they may implement a procedure to suspend or even revoke the driving privileges

Who picks up the tab when involved in an accident with an uninsured driver?

Now, let’s move on to why you are really here; namely who is going to pay for the damages an uninsured driver has done to your vehicle and property?

Unfortunately for many drivers that have been involved in an accident with an uninsured driver, they often end up having to pay for the damages out of their own pocket.

One method available to attempt and gain back some of the money that was lost due to the negligence of these careless individuals is filing a tort claim in civil court.

Tort law is extremely complicated and you will most likely need to hire an attorney.

A driver is able to seek arrears for damages to their vehicle, recoup medical expenses, and even pain and suffering. Finally, they are also able to force the driver to pay for any legal fees they have accrued during the course of the civil proceedings.

Although this can be a lengthy process and unfortunately, if the judge finds in your favor, there is still a good chance that you are never going to get your money back or will be required to wait a lengthy period toin order to recoup your losses.

The court can force access to the assets of the guilty party and may even garnish their wages to help get the money to pay you back.

However, if the person has no assets and does not have a job, you are going to be waiting a long time before receiving money. It might better not sue an insolvent driver.

Full Coverage Protects You

Your best bet is to just pay for full coverage insurance due to the massive number of uninsured drivers on the road today. If you feel it is too expensive, just imagine how much more it will cost if caught up in an accident with an uninsured motorist?

By utilizing the internet to compare and contrast various insurance providers, you should be able to find a full-coverage policy that is within your monthly budget. It is well worth spending those extra dollars in order to be protected.

Make sure you have the right policy to protect you, your family, and vehicle. Enter your zip code into our FREE comparison tool to get started!

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