How do I find out what insurance a car that hit me is, if all I have is a license plate?

some guy hit me and we have no report file, so he just have 2 go through insurance, but now he's chirping out, so how do I find out his insurance company because I have his badge and policy number, but not the SSN

Easiest is to claim to be submitted to your insurance company. They will pay the claim and replace the driver's fault. But if you have the plate number, you can go to the car license bureau and they tell you the information about the owner. That is public record, not just for lawyers initiated Your company will know what to do, but prepared for them not to smiley faces when you agreed to report accidents when you sign your policy. There is work you do to make your claims paid. Read The "If you have an accident" portion of your policy.

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when I request car insurance quote, why they check my credit file?

Because your car insurance rate is based partly on your credit rating. The better the rating, the lower the insurance premium. It's stupid, but another way for them to raise the rate. It is based on the theory that people with good credit ratings were more accountable and therefore less likely to have an accident. There may be some truth in this actuarial.

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