How do you report a driver with no insurance?
Are you wondering how to report a driver with no insurance? Unfortunately, there is not much you can do to report an uninsured driver. Read on for advice on who to contact about this person and other related information.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Oct 20, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 20, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can contact the local DMV to learn if it has a process to report an uninsured driver
- Due to an internal system, the DMV may already be aware that the driver is not insured
- Getting uninsured motorist coverage on your policy will protect you from those who drive uninsured
When you learn that someone is driving without insurance, you are probably understandably angry and frustrated. While you want to report this uninsured person anonymously, you might not be sure how to go about this. Read on for advice on who to contact about this person and other related information.
To learn about what happens if an uninsured friend wrecks your car, read our article here. If you’re in the market for affordable auto insurance, just enter your ZIP code into our free online quote tool above to browse rates from multiple companies today.
How to Report Someone Driving Without Car Insurance
While you might think that calling the non-emergency number at your local police station is where to start when you want to report an uninsured driver, this might not be the best option. Unless there is a current threat to public safety that this driver is causing, the police will probably not be able to help.
Instead, contact your local department of motor vehicles to see if it has a procedure for reporting uninsured drivers. A representative may ask you to call a hotline or complete a complaint form online.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Is it worth reporting a driver with no auto insurance?
Unfortunately, the answer to this question is typically “No.”
Most DMVs have an internal system that checks if a driver has car insurance. This is because when you purchase a vehicle, you are required to provide proof of insurance. This is why even if you take the time to report the uninsured motorist through a hotline or emailed complaint form, chances are good that the DMV is already aware this driver is not insured.
While it is understandably frustrating to realize that someone else is not following the laws and paying for insurance as you do, it may be a waste of your time to report them.
If other drivers are not insured, why do I have to be?
Yes, car insurance rates can be high for some drivers. And knowing that other drivers are uninsured, you might wonder why you should continue to pay for your premiums.
Remember, insurance is not a choice — it is legally required by law. According to the National Association of Insurance Commissioners, forty-nine states and the District of Columbia require drivers to have auto liability insurance to drive legally. Keep in mind that the type of insurance and the amount of coverage needed varies by state. New Hampshire is the only state that does not have a compulsory insurance liability law.
Driving without insurance is not a great idea. The last thing you want to happen is that you get into an accident and aren’t insured. If the worst were to happen and you were injured in a car accident while uninsured, you would be left paying your repair and hospital bills on your own.
To help protect you from those who drive uninsured, you must get uninsured motorist coverage on your policy.
Why Some Drivers May Not Have Car Insurance
There are several reasons why drivers don’t have insurance. One of the most common is that they cannot afford it. Their car may also be in poor condition and unable to be driven, or they do not use it anymore. Of course, these excuses are invalid because insurance is still required in virtually every state.
In other cases, someone may have lost track of when their policy expires and accidentally allowed it to lapse. Granted, drivers should know when their insurance policy expires and be responsible for paying the premiums on time by learning how to check their car insurance expiration date. However, there may be instances when they honestly don’t realize their policy has lapsed, and the reminder system through the DMV may take a while to alert them.
For example, if an insurance company ends a policy due to non-payment or cancellation, it will usually inform the DMV, either electronically or through a letter in the mail. Once the DMV receives the notification, it will generate another letter to let the person with the lapsed insurance know, and this process can take time.
Final Thoughts About Reporting a Driver with No Insurance
Although your intentions are good, reporting an uninsured driver to the police or DMV will probably not be very effective. While, in some cases, you may be able to fill out a form or report the driver on a hotline, the best approach is to be sure you have uninsured motorist coverage on your own policy and be sure your coverage is active.
To find affordable auto insurance today, simply enter your ZIP code into our free online quote tool below.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.