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That's the first place I would go is to the police officer who wrote the report. Let them know the insurance lapsed and ask them to check on a current insurance. If the policy they gave the office is not valid I would pretty much guarantee that they don't have insurance. You can call the owner of the vehicle from the report as well. Most likely you will have to turn it over to your insurance company if you have uninsured motorists coverage. Your company will pay the claim and go after the other party. They will do the legwork and pay all legal fees involved with collecting from the other person.

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Q: When in an auto accident and the person gives proof of insurance and it's lapsed -can I get info from the police from the insurance policy number?
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What can a person do to pay for a vehicle damaged in an accident while their insurance was lapsed?

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What kind of insurance pays for a car accident you are in if the other person involved has no insurance?

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