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Is My Car Insured? How to Find Out if You’re Covered

Updated: July 18, 2018

It may seem strange, but a lot of people have moments in their life where they do not know if they have adequate car insurance.

There are various reasons why you may find yourself not knowing if you have car insurance coverage.

A spouse may pass away, leaving the other spouse with the task of combing through the couple’s finances, taxes and insurance policies.

Sometimes it is easy to forget whether an old car that you rarely use still has a valid insurance policy.

Students going to college may not know if they can stay on their parents’ policy in a different state.

Is My Car Insured?

There are many reasons why you may want to check if car is insured at the current time. If this is an old car that is rarely driven, it may not have adequate insurance protection anymore.

There are some cases where students can continue this extension while they go to college, but other students may have to get new policies.

Most people check car insurance validity before traveling to another state. They will want to ensure the policy is legal for the road in the states they are passing through. Sometimes, this means having to add additional liability coverage to meet the legal minimums in the respective states.

Students will often ask, “is my vehicle insured,” before they go off to college. While they were in high school, the student may have received a policy that was an extension of their parents’ plan.

There are some cases where students can continue this extension while they go to college, but other students may have to get new policies.

It is legally dangerous to drive a car that does not have adequate insurance. That is why it is important to find out if a car is insured before it is taken on the road.

How to Find Out If You Are Insured

There are many ways to find out if a person has auto insurance. The best way to check car insurance is by looking through the car’s glove compartment.

A clever way to check car insurance is by asking a company for a new insurance quote. Tell them that you need to know if you have a valid policy right now.

Most people will leave their insurance information in that area, because they can take it out in the event of an accident.

Finding proof of insurance documents is also a good way to check if car is insured. These documents will list the type of policy, the policy number and the name of the insurance company that gave out this policy. Use this information to contact the insurance company and ask if the policy is still active.

A clever way to check car insurance is by asking a company for a new insurance quote. Tell them that you need to know if you have a valid policy right now. When they run a CLUE report to help determine your potential auto insurance rate, they can see if any current policy shows up in the report.

In some parts of America, the Secretary of State’s office may have a record of every resident’s auto insurance policy.

What is Proof of Insurance?

One of the best ways to check car insurance is by looking for your proof of insurance documents. However, many policyholders may not know what their proof of insurance looks like.

When it comes to auto insurance, the proof of insurance is a small card that is provided to the policyholder by the insurance company.

When it comes to auto insurance, the proof of insurance is a small card that is provided to the policyholder by the insurance company. This car carries a number of details about the insurance policy that is useful if an accident takes place.

Consider this card your insurance ID card. It is the best way to show another person or a police officer that the car has adequate auto insurance. Anyone can contact the insurance company listed on the card and ask about the specific policy and whether it is still relevant.

If it is an authentic proof of insurance card, it will list the person’s name, address, the vehicle’s make and model, the renewal dates for the policy and information about the insurance company that provides the policy.

It is sensible to store this card somewhere in the vehicle. If only one person drives this vehicle, the driver can keep the insurance card in their wallet.

Check Car Insurance Coverage Levels

Aside from asking, “am I insured,” it is important for individuals and families to double-check the level of car insurance related to their current policy.

Checking these levels periodically can also help you make decisions about whether you want to add or remove certain parts of the insurance policy.

Sometimes policy holders forget whether they removed or added a certain portion of auto insurance to their policy.

For example, a policyholder may have decided to remove collision coverage from their policy six months ago. However, they forgot about this decision and still assume they have this level of coverage. This policyholder might get a nasty surprise when they try to file a claim after an accident.

This is why it is a good idea to routinely check the insurance coverage levels related to your policy.

Checking these levels periodically can also help you make decisions about whether you want to add or remove certain parts of the insurance policy. For example, you may check your insurance levels and see that you still have liability, collision and comprehensive coverage. However, your car is now ten years old and does not have a high value. Removing comprehensive coverage may make sense in your situation.

Are Premium Payments Up to Date?

Valid insurance policies do not stay in effect if the policyholder misses a number of premium payments. Each insurance company has different standards, which is why it makes sense to regularly check if all payments are being made on time.

A policyholder may be driving around in their vehicle without the legally necessary insurance protection if they have not paid their insurance premium the last few months.

If the policyholder finds themselves late in their payments for one or two months, it is best to call the insurance company and go over the situation. Explain why payments have been late and whether this is having any impact on the policy.

A policyholder may be driving around in their vehicle without the legally necessary insurance protection if they have not paid their insurance premium the last few months.

Not only is this a potentially risky financial situation if you get into an accident, but it can also get you in trouble with the police.

An officer could pull over the individual and ask to look at their insurance documents. If they contact the insurance company and find that the policy is suspended, the individual driving the car could face a fine or license suspension.