How to Report a Driver Without Auto Insurance in 2025 (Easy Steps to Follow)

To report a driver without auto insurance, it is crucial to follow the right steps to ensure road safety and protect yourself from financial risks and this guide covers everything from gathering necessary details to contacting the police, to DMV, and to seeking legal advice.

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Quickly Report an Uninsured Driver: 5 Simple Steps to Follow

Step #1: Gather Information

Before reporting an uninsured driver, it’s crucial to collect as much detailed information as possible to support your report, especially if you’re seeking cheap auto insurance after an accident. Start by noting down key details about the driver and their vehicle.

This includes the driver’s full name, the make and model of their vehicle, its color, and the license plate number. Also, record the date, time, and location of the incident or when you observed the driver.

Top 10 States for the Most Drivers Without Auto Insurance

If you have any additional evidence such as photographs of the vehicle or statements from witnesses, gather and organize these as well. This comprehensive information will be essential when filing a report and will help authorities take appropriate action.

Step #2: Report to Local Police

If you have witnessed someone driving without insurance or if you’ve been involved in an accident with an uninsured driver, the next step is to report this to the local police. You may wonder, “Can police check your auto insurance?” The answer is yes, and it is important to contact the non-emergency number for your local police department or visit their station to file a report.

Provide all the detailed information you have collected, including the driver’s details and specifics about the incident. If an accident occurred, ensure that you file an official police report. This document will be useful for any insurance claims or legal actions that may follow.

Step #3: Notify the Department of Motor Vehicles

For a more formal and potentially effective approach, report the uninsured driver to your state’s DMV. Visit the DMV’s website or contact their office to understand the specific procedures for reporting. Submit your report through the provided online form or by phone, including all relevant details about the driver and their insurance status.

The DMV maintains a database of driver insurance information and will use this to verify the driver’s coverage. If they find that the driver is uninsured, they may take actions such as suspending or revoking the driver’s license. Learn more information on DMV and insurance points: DMV Points vs. Insurance Points Explained

Step #4: Follow Up on Your Report

After you have submitted your report to both the police and DMV, it is important to follow up to ensure that your report is being addressed. Contact the local police department or DMV to check the status of your report and inquire about any actions taken.

This step helps you stay informed about the progress and ensures that the authorities are actively dealing with the issue. Depending on the response, you may need to provide additional information or take further actions.

Check further information to assess if a situation is an at-fault accident.

Step #5: Seek Legal or Insurance Advice

If the situation does not resolve or if you are directly affected by an accident with the uninsured driver, seek further advice. Consulting with an attorney who specializes in auto insurance or personal injury protection auto insurance law can provide guidance on potential legal actions you can take.

Additionally, review your own auto insurance policy to ensure it includes coverage for accidents involving uninsured drivers. If necessary, adjust your policy to better protect yourself in the future.

The Consequences of Driving Without Insurance

Driving without insurance comes with penalties. Most of the time it results in a fine, and the amount varies by state. Uninsured drivers who are caught by the authorities may also risk having their vehicle impounded or having their license and registration suspended.

Driving Without Auto Insurance by State & Offense

Although state law says that drivers must be insured, there are drivers who still continue to drive without insurance.

Most drivers do this to save money, as it can actually be cheaper to repeatedly pay the fines incurred for driving without insurance than it is to pay for insurance coverage.

This cost-saving strategy is particularly prevalent in certain states, where a significant portion of drivers opt to forgo insurance altogether. The table below highlights the states with the highest percentages of uninsured drivers, illustrating the extent of this issue.

Mississippi tops the list with an alarming 29% of drivers lacking auto insurance, followed closely by Michigan at 26% and Tennessee at 24%. Other states like New Mexico, Florida, and Oklahoma also report high percentages, ranging from 22% to 19%. The widespread nature of this practice underscores the financial challenges that lead drivers in these states to take the risk of driving uninsured.

Navigating Uninsured Driver Challenges

Addressing uninsured drivers is essential for maintaining road safety and protecting yourself from financial risks. By gathering detailed information, reporting to the police and DMV, and following up, you play a crucial role in managing these risks. Staying informed and consulting with experts can further ensure you’re covered in case of an accident.

Your proactive efforts help foster a safer driving environment and promote accountability. Continue to utilize available resources to make informed insurance decisions and stay protected. Don’t let expensive insurance rates hold you back. Enter your ZIP code below and shop for affordable auto insurance premiums from the top companies.