Police often set up random checkpoints along major roadways. They can pull you over at these checkpoints and ask to see your license, registration, and proof of insurance. The police will find out your insurance status, quote you, and then tow away your vehicle if you don't have a valid car insurance policy.
Do police have access to car insurance?
Police get a leg up Car insurance companies have maintained state databases of uninsured drivers for years. “But the majority don't give police instant access. Most states still make their officers call the 1-800 number on drivers' insurance cards to verify the policy — pretty ridiculous in this day and age.”
Can police tell if you're uninsured?
Can police tell if you have no insurance? Yes, they can. However, you need to be pulled over, or stopped for some reason first. Although technology is good, police usually won't run an insurance check unless they have cause.