Proof of insurance? What’s that? The term actually pretty much defines itself. Proof of insurance is physical proof that demonstrates that one has met his or her state’s requirements for auto insurance coverage (see our handy state guides for the insurance requirements in your state). Car insurance is a legal requirement in all fifty states and proof of insurance shows that the motorist has met this obligation.

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Forms Of Proof Of Insurance

You know the small, often laminated card the auto insurance company sends to you? That is proof of insurance and it is called the “Insurance I.D. card”. The card will list who your insurer is and when your policy is set to expire. In addition to this insurance card, an auto insurance company will send a file to your state’s electronic database that tells the state you have adequate auto insurance. Other forms of proof of insurance include a copy of car insurance policy and a SR 22 form.

Why You Need Proof Of Insurance

In order to register a vehicle, you must demonstrate proof of insurance to your state’s DMV. This is also true for when you annually renew your registration. You will also need to show proof of insurance if you get into a collision or if are pulled over by a police officer. This is why it is important to keep your Insurance I.D. card in your vehicle at all times. You never know when you are going to need it. If you happen to lose the card, simply contact your car insurance company and they will send you a replacement.

If you are not able to demonstrate that you have car insurance, a number of unfortunate events can occur. You will not be able to register your car and if you are pulled over, you will receive a citation and could possibly have your license suspended or revoked. If your license is suspended, you will have to get SR 22 form in order to get your license reinstated. Also, you will have to pay higher car insurance rates.

If you still believe car insurance is too expensive and plan on taking the risk of going without it, please reconsider and get an online quote. Car insurance is cheaper than you might think. Don’t take the risk. Get an online car insurance quote and purchase a policy today. So, by all means, make sure you have car insurance. And once you have it, make sure that you carry legal proof in your vehicle at all times.