How to Get Instant Auto Insurance Proof

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Things to Remember...
  • An insurance policy allows you to pay a relatively small premium in exchange for the insurance company providing coverage
  • Your agent or an Internet search can alert you to the companies that provide these services at no charge
  • An SR-22 is a document from your insurance company stating that you have insurance

Every state requires an individual proof that they are able to pay for property damage and physical injuries.

The limits are set by each state and can be determined by state statutes, the state department of motor vehicles, or by contacting an insurance agent either online or by phone.

Be sure to always compare auto insurance by using an online comparison tool such as the one located above. Just enter your zip code above to get started.

Acceptable Proofs of Financial Responsibility

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  • A large deposit with the state’s treasurer – the amount varies from state to state and ranges from $25,000 to over $100,000
  • An equivalent bond with a surety company authorized in your state
  • An adequate insurance policy from a company duly authorized to do business within your state

–Deposit with the State Treasurer

A deposit with the state’s treasurer represents assets that you have on deposit until you no longer drive in the state.

Unfortunately, the states do not return interest on your investment, so the money remains in that state’s coffers.

This is not an advantageous way of investing your assets considering that the deposit needs to be made as soon as you acquire a drivers license.

–Bond

A bond has some of the same problems. When a bonding company issues a bond, they usually do a thorough credit check and examine your assets to make certain that you will be able to reimburse them.

A premium is charged for the service even though a bond is not insurance. This premium is ordinarily charged by the year and can vary depending upon your personal financial assets.

Bonds, too, must be issued before need, so you have to get it before you have an accident.

–Insurance Policy

An insurance policy allows you to pay a relatively small premium in exchange for the insurance company providing coverage in the event that you may need it.

In the mean time, the insurance company will provide statutorily approved proof of insurance if you need it.

The policy must be renewed periodically and paid for to establish coverage.

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When You Will Need Proof of Insurance

Here are places you are expected to show proof:

  • At vehicle registration – in most states
  • If you are in an accident – whether you are liable for damages or not
  • If an officer requests proof of insurance after pulling you over on the road, or whenever they consider it necessary

These vary from state to state, but the following penalties can be applied:

  • Fines – varying in amount by statute
  • Suspension of registration and license
  • Jail

In addition, you will have to pay for the consequences of an accident if you are at fault.

You will be personally responsible for property damage and physical injuries incurred in an accident.

According to the Insurance Information Institute, the average claim for bodily injury and property damage in 2012 was $17,726.

Acceptable Forms of Insurance Proof

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Insurance cards can become lost in wallets, glove boxes, and everywhere else in the car.

Many states will accept the following as proofs of insurance:

  • Insurance card – usually sent to you upon issuance of the policy
  • Copy of your insurance policy
  • Facsimile of the proof of insurance (FAX)
  • Letter from your insurance company on company letterhead
  • Electronic proof of insurance – this may be in the form of insurer provided electronic image on your cell phone, and laptop
  • If your insurer has web-based services, these may be accessed
  • Electronic mail from your insurer

Instant Proof of Insurance

The advantage of these various forms of proof of insurance is that you can access your insurer’s application – if they offer it, on your cell phone to show to the police officer, allowing you to go on your way.

On the other hand, many of us do not have access to this technology so we can make use of some of the other advantages of modern communication.

Many states’ police officers have access to computers in their cars so you can arrange emails or access your insurance company’s website.

As insurers become more aware of the ramifications of the Internet, they allow access to websites using personal usernames and passwords.

Your agent or an Internet search can alert you to the companies that provide these services at no charge.

Any of these proofs will allow you to register your automobile or get a drivers license in most states.

If All Else Fails

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Sometimes, if you are driving in a state in which you are not a resident, you will receive a citation for having no proof of insurance.

In that case, the court will often allow you to forward any of these proofs of insurance electronically.

This depends upon state statutes, but it is worth asking about the options if you receive a citation.

Have all the documents you may need: drivers license, car registration, and proof of insurance.

If you don’t have proof of insurance, offer an alternative such as a cell-phone application or email from the insurance company.

What if You Don’t Have Insurance?

I hope that you haven’t been involved in an at-fault accident. However, if you have been driving without insurance, there are a number of ways to rectify the situation.

In this case, providing proof of insurance is a good idea.

The insurance may not have been in force at the time of the incident but appealing to the court by complying with responsibility laws will affect the attitude of the court somewhat.

To back up your proof of insurance, courts may require an SR-22.

An SR-22 is a document from your insurance company stating that you have insurance that covers at least the statutorily required amount of liability.

An SR-22 must be kept in effect for a period, usually three years. The insurance company guarantees to notify the court if your insurance lapses even if you move to another state.

Here some reasons for requesting an SR-22:

  • A serious moving violation such as a DUI
  • An accumulation of traffic offenses
  • Are involved in a traffic accident and don’t have insurance
  • Are in possession of a revoked license or registration

It is a wise idea to have insurance that follows statutory guidelines in your state.

Keeping a current insurance identification card where it can be found is just as vital as keeping your registration and drivers license available.

Insurance policies can be acquired by comparison-shopping carefully and getting the liability coverage you need.

You will find many methods of payment available to make insurance affordable to avoid the problems of not having insurance.

Enter your zip code below to find and compare auto insurance quotes for FREE!

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