I Forgot Who My Car Insurance Is With

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Things to remember...

  • It is important to know the company that handles your car insurance coverage even if you have not had a car accident
  • You should be able to tell from your billing statements which company you have for your auto insurance coverage
  • If you have lost your copy of your proof of insurance card, it is free and easy to request that another one be mailed to you from your auto insurance provider
  • If you cannot locate copies of your bills for your car insurance premium, then you could check your bank records to find the name of the company that you have been paying for auto insurance coverage
  • If you have not been making regular payments on your auto insurance premium, then there is a good chance that you do not have current coverage and need to find insurance quickly

While you hopefully do not have to interact with your auto insurance provider on a frequent basis, it is important to know which company is providing your coverage.

The reason you should know who your provider is, is that you are legally required to have car insurance coverage if you are getting behind the wheel on a public road or have a vehicle that is officially registered with your state department of motor vehicles.

If you do not have paperwork that you can find from your auto insurance company, then there are a few easy ways that you can at lease find out which company provides your car insurance coverage.

Take some time to compare auto insurance quotes to make sure you’re not overpaying for coverage.

Always Keep Your Proof of Insurance Card With You

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The best source for current information about your auto insurance policy is your proof of insurance card.

This card is always issued by the insurance provider because you may need to show it to a police officer if you are pulled over while driving or if you are involved in an auto accident.

You will only get a proof of insurance card issued if you have signed up for auto insurance, received a price for your premium, and paid at least a portion of your premium.

Some people choose to keep this card in their car at all times. Others put it in their wallet because it is a way to make sure that you always have proof of insurance even when you are driving someone else’s car.

If you can’t find yours in any of the familiar places where you might have stored it, it is time to ask the auto insurance company to issue you another one.

Look at Your Past Bills

Here’s a list of places to find your insurance company:

  • mail statement
  • payment record
  • email messages

If you pay your auto insurance premium by check in the mail, then you are almost certainly sent a statement of when your bill is due.

The paper statement will obviously include the name of your auto insurance company along with contact information on how to ask any questions about your policy or coverage.

If you do not keep copies of your insurance bills, then you might be able to find the name of the company that you paid by looking through your previous bank statements.

It is very rare to ever make a car insurance payment in cash, so you will most likely have a payment record somewhere in your banking files.

If you have signed up for electronic billing with your auto insurance provider, a quick search of your email may be able to turn up the name of the company.

You may also have electronic copies of billing statements as well as your important policy documents in your email messages.

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Check to Make Sure Your Insurance is Current

Just because you previously had auto insurance coverage with a certain company does not necessarily mean that your car insurance coverage is still current.

To make sure your coverage is current, you should immediately call the company after finding the potential name of your auto insurance provider. Ask for the effective dates of your policy. You should also make sure that you do not have any unpaid bills.

If you find out that you are past due on your premium payments, you need to make arrangements to catch up immediately. In some states, you can be fined by the department of motor vehicles for each day that you do not have valid auto insurance coverage.

Another reason that you need to verify that you have valid auto insurance coverage is that you could be involved in any auto accident any time that you get behind the wheel.

In just one accident involving another driver or pedestrian, you could be responsible for a significant amount of damage, which would have to be paid out of your own bank account without valid auto insurance coverage in place at the time of the accident.

Steps to Take if You Do Not Have Current Auto Insurance Coverage

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You may discover in your search to find your current auto insurance provider that your insurance is not up to date.

If your coverage has lapsed, you need to take quick action to make sure that you are not left paying expensive fines or in jeopardy of having your driver’s license suspended.

The sooner you make arrangements to get your auto insurance coverage reinstated or find different coverage, the lower your risk of being involved in an accident without coverage.

Before you decide to go with any particular auto insurance company for your coverage, it is best to shop around online to compare the available rates. They will vary by area, which is why it is important to be accurate with your zip quote when requesting various quotes online.

After you find affordable options, you can reach out to those companies to find out how they can take care of your car insurance coverage needs.

Some Final Thoughts on Finding Out Who Your Auto Insurance Provider Is

If you are not sure which company provides your auto insurance coverage, it is a good thing to find out quickly. This information is important to have in the event of an accident or if you need to buy or register a new car.

If you do not have a copy of your proof of insurance card, you may be able to find out the name of the company from your previous insurance statements.

You could try searching your emails or bank records to see if there is a record of which company that you addressed your premium payments to. If you do not have coverage, you should get it quickly.

Find insurance today by comparing rate quotes using our free quote tool.

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