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Auto Insurance Card: 5 Reasons to Always Keep It with You

Updated: December 3, 2017

One of the things related to auto insurance that people often ignore is their auto insurance card.

In fact, a lot of people may not even know that the auto insurance card is the most important insurance-related document.

This auto insurance card is the easiest way to prove that you have a qualifying insurance policy.

If you are ever caught on the road by police, or you get involved in a car accident, your insurance card has all the relevant information about your policy.

Without this card, you would have to remember the information by memory or run the risk of getting into trouble.

What is your Auto Insurance Card?

In the same way that you might have a drivers’ license or state ID card, you will also have an auto insurance card given by your provider. This card is fairly small, but it contains all the relevant information regarding your policy.

It is possible to write down all of this information or type it up yourself, but the card is a much easier way to keep everything in one place.

For example, a typical auto insurance card may list your name, policy number, issuer details, expiration date, starting date, vehicle information and the contact information of the company providing you with the policy.

This makes it easy for you to provide your insurance information to someone when you get into an accident. It is also useful if you are ever stopped by the police and asked about your insurance documents.

It is possible to write down all of this information or type it up yourself, but the card is a much easier way to keep everything in one place.

Simply place the card in your wallet and you are good to go. You may also want to make a photocopy of the card to keep in your car’s glove compartment. This is helpful if you ever lose the original document.

Why is the Auto Insurance Card Important?

The auto insurance card is very important because it contains all of the important information about your car insurance policy.

Both parties can either take a photo of the other’s insurance card, or they can jot down the relevant details and call the insurance company when they get home.

What happens when you get into a car accident? Both parties will usually exchange their insurance information. But how will you remember the specifics about your policy? Simply whip out your card and you are good to go!

Both parties can either take a photo of the other’s insurance card, or they can jot down the relevant details and call the insurance company when they get home.

It is also common for police officers to ask about your insurance information if they pull you over during a routine traffic stop. If you have your auto insurance card, you can simply give it to them. If the card looks official, the officer may not even check the information.

But they can easily call the number listed on the card and verify that you have a policy with this company. This will allow you to go on your way without getting into trouble with law enforcement officers.

What if you Lose your Auto Insurance Card?

If you happen to lose your auto insurance card, you do not have to panic. The first thing you should do is try to see if you have a photocopy anywhere on your person or inside the vehicle. As we mentioned earlier, keep a copy in the car’s glove compartment.

As soon as you lose your auto insurance card, call the insurance company and ask them to send you a new one.

You can provide the photocopy to the other party if you are in an accident, or to the police if you are pulled over while driving.

While people are more suspicious of a photocopy, you can tell them you lost your card and do not have any other alternative. They can call the company’s number on the photocopy and verify if you are being honest about having a valid policy.

As soon as you lose your auto insurance card, call the insurance company and ask them to send you a new one. They can have one mailed to you within a few days, which means you will not have to go longer than a week without a genuine card.

If you do not have a photocopy on hand, ask them to email or fax you a copy.

Caught Without an Auto Insurance Card

The first thing to consider when you talk about losing your auto insurance card is that it is against the law to drive without insurance in many states. If you are in a fault state, you need some type of liability insurance, or you are violating the law.

When you get a ticket, you owe some form of money to the state DMV. In addition, getting a ticket could negatively impact your existing car insurance premiums.

If you do not have your auto insurance card, you are in trouble. A police officer will have no way of knowing whether you are being honest about having insurance. They will have no choice but to give you a ticket for not having a valid policy.

When you get a ticket, you owe some form of money to the state DMV. In addition, getting a ticket could negatively impact your existing car insurance premiums.

This is why people are encouraged to always make sure they have their auto insurance card before they start driving.

It is also a lot harder to resolve a car accident situation if you do not have your card. The other party may think you are lying when you say you have auto insurance. This could lead to them becoming argumentative and antagonistic.

Ways to Save Money on Car Insurance

Keeping your insurance card on your person at all times is one way to ensure you always get cheap car insurance. Having your insurance card means you will never get a ticket for driving without insurance, which keeps your auto insurance premiums low.

If you happen to get into a car accident, but the damage to the other party’s property is minor, do not call your insurance company.

Another way to save money on car insurance is to make sure you never get into a car accident. If you are never found at fault for a car accident, you are deemed a low risk candidate by insurance companies. This means they will offer you better policies for lower premium rates.

If you happen to get into a car accident, but the damage to the other party’s property is minor, do not call your insurance company.

Resolve the incident out of pocket, because any fault accident can raise your premiums.

By being a good policyholder over the coming years, you will make sure you are always paying low amounts for auto insurance. Pay your premiums annually and on time, do not get traffic tickets and make sure you never cause a car accident!