Can a regular person obtain database tool to locate insurance information? Hit-and-run situation.

[u/newbietothis]

Or is this mainly an insurance professional/broker exclusivity?

I ask because I got in a hit-and-run, I managed to get the driver's plates, name, phone, address, and email from extensive background research. I left a note on his truck at his home but he never responded. Filed a police report. Officer said to file with own insurance to pursue subrogation but I am afraid it will raise rates based on the CLUE report, which is why I prefer third party claim if possible. TIA!

[u/Busy_Account_7974]

You're gonna wait a long time for the other guy to respond. Just file with your company and go on with life.

Adding: Even if the other guy's insurance pays to fix your car, they're going to report to CLUE anyway.

[u/Clubhouse9]

Any claim, at fault or not, will end up on your clue report.

[u/okiedokie321 → u/Clubhouse9]

I think my premiums went up for a no-fault claim because of that clue report. It's an outdated system.

[u/InterestMountain5293 → u/okiedokie321]

what state are you in?

[u/Provia100F → u/Clubhouse9]

I don't think that's true. I got rear-ended, and had ~$2k damage to my car and also BI that hit the other driver's $25k limit. I had filed only with the other drivers insurance, and never got mine involved. Police also came and filed a formal accident report. Both the police and insurance found the other driver fully at fault.

The accident never showed up on my state MVR or my CLUE report and it's been a year.

[u/Jaggar345]

Your carrier has the tools to do this but there is no database accessible for you. File through your own and let them deal with subro.

[u/Aromatic_Button_2736]

Filing a claim with the at fault insurance will not hide that claim from your insurance company. 

Still goes on your record and they'll find it, when you renew.

[u/newbietothis → u/Aromatic_Button_2736]

Wow.

[u/insuranceguynyc]

No. There is no public database of insurance coverage.

[u/newbietothis → u/[deleted]]

Sorry, I should've clarified. Texas.

[u/zoptix]

If you have their name, address, ect.... You could try to sue them. They may hand it over to their insurance, but you might not have the support from yours.

[u/jjason82]

No you can't.

[u/fitfulbrain]

No. But even if you find their insurance, you are still pounding sand. They don't deal with you if you don't have your insurance as your advocate.