To find out if another driver has car insurance, the interested party simply needs to ask them. At this point, the driver can provide the interested party with their name, policy number and the name of their insurance company, and the interested party can call the insurance company directly to verify the other driver's coverage.
Unfortunately, some drivers have been known to use fake insurance cards, and for this reason, it is not possible to verify whether a driver really has coverage just by looking at their insurance card. If an ordinary citizen wants to verify coverage, they need to call the phone number listed on the insurance card. In some states, police can access a state database to verify a driver's coverage. For instance, in Texas, insurance companies report their customers to the state so that police can easily verify coverage in real time.
Some states even have online portals where people can verify coverage. In order to verify whether another party has car insurance, the interested party needs a few details. For example, the Oklahoma Department of Public Safety can verify car insurance information with just three details: the vehicle identification number, the policy number and the name of the insurer.