Proof of insurance – Goodtogoinsurance

proof of insuranceWhen you operate a motor vehicle it is important to carry with you proof of insurance. There are a number of reasons why this information is important and needed. The most obvious reason is getting stopped by the police and asked to show your insurance I.D. card and registration.

 

Consequences for driving without insurance
In recent years, state insurance regulators have increased sanctions for those who drive without insurance. In most cases, the first offense if a stiff ticket and a warning. On the second offense, you can have your vehicle towed and impounded. Unless you have a really big bank account, the cost of getting caught driving with no insurance can hurt your pocketbook. The idea behind the stiff penalties is to make the consequences of getting caught more severe than the cost of buying car insurance.

Proof of insurance is important after an accident

Regardless of who is at fault, you will need to provide your insurance information to the other party involved, as well as the police officer attending the scene. Remember, based on numerous auto industry studies, the average driver will get into an automobile accident every 18 years. So if you drive with no car insurance, you are playing a sort of “driving roulette.” If you drive a vehicle, it’s your public duty to get it legally insured.

All valid auto insurance I.D. cards will have the following:

1. The name and address of the person insured
2. The automobile make and year
3. The insurance policy number and expiration date
4. The name of the insurer

Having proof of automobile insurance demonstrates that you have met the minimum state insurance requirements. In most states, this amounts to a basic level of liability car insurance, while in other states such as Michigan, the state laws on auto insurance are more complex. If you have a car, such as an old antique that is being stored for future restoration, you do not need to buy auto insurance while the vehicle is in storage. You do however need to maintain a certain level of basic registration on the vehicle, which applies to the vehicle laws in your state.

Where can you get proof of insurance?

When you purchase auto insurance coverage, your insurance company will make a declaration of your policy. In prior years, all written automobile policies were mailed to the customer, along with proof of insurance I.D. cards. For the past 10 years or so, more and more people are electing to print out their I.D. cards online and get instant proof of insurance. Also, most standard insurance info can be stored online at the insurers website, allowing easy access to your account and coverage details anytime.

If you have valid insurance but forget to keep your I.D. cards in your vehicle and get caught by the police, what do you do? This happens all the time and most often by people that renew their car insurance but fail to switch out their old insurance cards with the new ones. If you get caught, you might have a police officer that believes you and gives you a warning. However, if you are issued a citation and you’re legally insured, don’t worry. Just go to court with your proof of insurance and show it to the judge. The judge will more than likely remind you to keep your ins card stored in your car at all times, but should not fine you.

If you get caught, you might have a police officer that believes you and gives you a warning. However, if you are issued a citation and you’re legally insured, don’t worry. Just go to court with your proof of insurance and show it to the judge. The judge will more than likely remind you to keep your ins card stored in your car at all times, but should not fine you.

Proof of vehicle insurance when you buy or lease another car

In many states, when you trade your old automobile in and buy a different one, you can use your old insurance I.D. card as proof of automobile insurance. You probably will be given a certain amount of time to register the new vehicle and update your insurance to reflect the new car. It really helps to do business with an insurer that allows you to update new cars onto your policy and print out your I.D. cards all online.

You can also get free car insurance estimates at sites like CarInsuranceEstimate.org if you need an instant idea of insurance costs for your vehicle. Go online now and compare free rates from leading insurers.