To get a car insurance card for proof of insurance, log into your account on the car insurance company’s website or call customer service to request one. Some insurance carriers also provide insurance cards via email, the company’s smartphone app, insurance agents, or brokers.
How to Get a Car Insurance Card for Proof of Insurance
- Request a physical insurance card online by logging into your company’s website
- Call customer service or your insurance agent to request proof of insurance
- Ask for a digital copy of the card to be sent via email
- Access a digital card on the company’s smartphone app
- Wait for insurance cards to come in the mail if you are a new policyholder
Insurance companies generally send new customers an insurance card in the mail along with the other details of their policy when they sign up. Most companies actually send you two copies of your insurance card. One copy should go in the car, and the other should stay on your person or in a safe place at home for your own reference.
How to Get a Car Insurance Card by Company
When You Need a Car Insurance Card
1. You get pulled over
Police officers commonly ask for proof of insurance when they pull you over. If you don’t have it, you’ll likely have to pay a fine.
2. You get into an accident
One of the first things that you need to do after getting into an accident is exchange insurance information with the other driver. Your car insurance card will have all of the information that the other driver needs if they plan to file a liability insurance claim.
3. You need to register your vehicle
In most states, the DMV requires you to have proof of insurance in order to register your car or renew an existing registration.
What to Do if Your Car Insurance Card Is Lost
If you lose your insurance card, or you realize the information is incorrect, you should contact your insurer immediately to get a replacement. Your insurance company will usually email you a temporary card or have you download one from their website until a physical card can arrive in the mail.
If your card is missing or contains errors and you aren’t able to provide proof of insurance during a traffic stop, you will likely be ticketed for driving without insurance. If you do have a policy, most states will allow you to provide proof of insurance after the fact and have the ticket dismissed. However, you might still need to pay fees or fines, and the added inconvenience can be avoided by keeping your insurance information in your car at all times.
Digital Insurance Cards
Insurance cards these days aren’t always physical cards. Digital insurance cards are considered legally acceptable proof of insurance for a traffic stop everywhere except New Mexico. But if you plan on using digital proof of insurance, make sure you know how to access it in advance so you’re not scrambling when you need it. Having a paper copy in your glovebox is still a smart back-up in case of technical difficulties, too.
At the end of the day, maintaining insurance coverage and keeping an accurate insurance card in your car can prove that you have the necessary coverage and protect you from the penalties that come with driving uninsured: fines, a suspended license, and even jail time.
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