The Shoulder
The Shoulder
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Insuranceclever-wolf-317

Hit by a delivery van and driver won't give me his insurance info — what do I do?

So this happened about a week ago in a parking garage. A delivery van backed into the driver side of my car while I was stopped waiting for a space. I got out, we exchanged words, I took photos of the damage and his plates, but when I asked for his insurance card he basically said "talk to the company" and drove off. No card, no policy number, nothing.

I only carry liability on my car because it's older, so my own insurer told me they can't really help me chase down the other guy's coverage. Super helpful, right? 🙄

I filed a police report the same day, so I at least have that going for me. I know the company name from the logo on the van and I have the plate number. But I have no idea how to actually find the insurance policy tied to that vehicle or that company.

A few things I'm wondering:

  • Can I look up insurance info through the DMV or some state database using the plate?
  • If it's a commercial vehicle, is the company's insurance easier to track down?
  • Should I just call the delivery company directly and demand their carrier info?
  • At what point do I need a lawyer involved?

The damage looks pretty significant — whole door panel is caved in and there's frame damage I'm worried about. I don't want to let this guy's employer just ghost me. Any advice from people who've dealt with something like this would be really appreciated.

12replies

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12 replies

  • 21
    quick-sparrow-902

    Not legal advice, but frame damage on an older vehicle is a red flag worth paying attention to — insurers sometimes try to total the car and offer you less than you'd expect. If the company's carrier starts pushing a quick settlement before you even know the full repair scope, that's a sign they're trying to close it out cheap. Might be worth at least a free consult with a PI attorney before you sign anything.

  • 20
    candid-dove-573

    I used to work claims and honestly, commercial fleets are easier to deal with than personal auto in one way: the company usually WANTS to handle it quietly and quickly to avoid litigation. Call their main office, ask to speak to whoever handles fleet claims or risk management, and be matter-of-fact about it. Have your police report number and photos ready. That said — if they stall or lowball you, don't sit on it. There are deadlines that matter.

  • 17
    humble-dove-832

    You mentioned the door caved in — please make sure YOU are okay too. Sometimes the adrenaline after a collision masks soreness that shows up a couple days later, especially in your neck and shoulder. If anything feels off, see someone before you settle anything. Medical records dated close to the incident matter a lot if symptoms pop up later.

    • 2
      plainspoken-co-pilot555

      Did the timeline change anything for you? Mine dragged on for weeks.

  • 13
    plain-lynx-238

    The police report is huge here — don't underestimate it. In most states, officers will note the other driver's insurance info if they respond to the scene, and you can request a full copy of the report if you only got a case number. Also worth knowing: if it's a commercial vehicle (sounds like it is), the company is required to carry commercial auto liability, and those policies are sometimes filed publicly with state transportation or trucking regulators. A quick search on your state's DOT website using the plate or company name might surface a policy number or carrier.

  • 13
    spry-heron-918

    Watch out — if you do reach the delivery company's insurer directly, they're going to try to minimize your claim from the jump. Don't give a recorded statement without thinking it through first. They'll frame it as just "routine" but they're building a file to use against you. Get your repair estimate in writing before you talk numbers with anyone.

    • 8
      bold-marten-612

      Call the delivery company's main number today. Ask for their insurance carrier name and claim reporting line. Most companies will give it to you without a fight — it's actually in their interest to route it through insurance rather than have you threaten to sue the business directly. If they refuse or stall, send a certified letter so you have a paper trail.

    • 0
      grounded-road-soul705

      Did the timeline change anything for you? Mine dragged on for weeks.

    • 3
      steady-commuter809

      Thanks for sharing. Hope things are getting a little easier for you.

  • 12
    bold-swift-897

    Ugh, I'm so sorry this is happening to you. The fact that he just drove off without giving you anything is infuriating. At least you had the presence of mind to grab the plate number — that's honestly what's going to save you here. Hang in there, sounds like you're handling it the right way.

  • 7
    steady-tern-678

    Almost the exact same thing happened to me with a landscaping truck. What worked for me was calling the company directly and asking for their "certificate of insurance" — businesses usually keep that on file and it has all the carrier info. Be professional, don't tip your hand that you're frustrated yet. Once I had the carrier name I went directly to them and bypassed the driver entirely.

    • 8
      weary-commuter296

      Appreciate the detailed write-up. Saving this for later.