Is My Car Insured? How to Check if You Have Car Insurance
If you’re a first-time independent car owner, you may have wondered if your car is insured. Maybe you’ve always relied on his family members to keep your car insurance, like your parents or his spouse, and you’re not sure how to drive your own car when you have to take care of it. He must verify that he has car insurance and that the payments are up to date, since it is mandatory to be insured before hitting the road.
in most of the us. uu. states, you must show proof of insurance to renew your car license or tag. And if you’re in an accident or traffic stop, you’re usually asked to share your current insurance information.
Reading: How to see if your car has insurance
If you’re not sure if your car is insured, it’s a good idea to find out so you can drive legally and be prepared to show proof of insurance when you need it.
table of contents
1. find a policy online
2.find your car
3. check the auto insurance database (medium)
4. get a new insurance quote
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5. call your secretary of state
6. make sure you’re covered
1. find a policy online
Do you know which insurance company your family or household has used in the past? if so, that may be a good place to start. Many insurers offer online accounts where you can log in and review, update, or renew your coverage. If you know the insurance company and email address that would be associated with your account, you may be able to log in and see if your coverage is up to date.
2. find your car
Most people keep a copy of their auto insurance policy or card somewhere in their vehicle. that way, it is always available in the event of an accident or traffic stop. If someone else has kept up with your car insurance for you, chances are he or she has placed your paperwork in your car as well.
Look in your car’s glove box, center console, and any other storage compartment for insurance documents. even if you find documents from a previous year, that gives you a starting point. You can contact the insurance company to find out if the policy has been renewed.
3. check the auto insurance database (medium)
you can do a free check of your own vehicle against the auto insurance database (vehicle must be registered, owned by you or your employer or insured by you or on your behalf, or you must have permission to drive it). all you need to do is enter your vehicle registration number and confirm that you have read and understood the data protection declaration.
In addition, in the event of a car accident on the road, you can check if the other vehicle involved has valid insurance or if you had a collision with an uninsured driver.
4. get a new insurance quote
This may sound like giving up on finding your current (potential) policy, but it’s not. When you request a new auto insurance quote, most insurance agents access an online report that shows them your current insurance company and sometimes whether your policy has expired. As long as your insurance company is listed on the report (and most do), the insurance agent can tell you which one it is.
Another great way to get affordable auto insurance coverage is to use one of the comparison sites. You’ll be able to see auto insurance rates from different insurance providers in one place without having to check everything on your own. Even if you find out that your auto insurance policy is valid, if the new quote offers a better price, you can choose to switch. Your old auto insurance company will usually reimburse you on a prorated basis.
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plus, if you have a property policy like homeowners or renters insurance, you can get a combined quote to save even more money!
5. call your secretary of state
In many states, the secretary of state’s office maintains records on automobile insurance. You can call or visit the office to ask if they can track your insurance using your driver’s license number or other identifying information.
When you know the details of your auto insurance, you may need a new policy. Even if you’re covered, you may be able to save money (and get a refund on payments you’ve already made for your current policy) by switching.
6. make sure you are covered
Even if you already have car insurance coverage, you need to make sure it’s enough for your needs. It’s important to know what your auto insurance covers so you don’t end up paying horrendous costs in the event of an accident.
You can review your policy documents or ask your insurance agent to explain your coverage. In most states, only liability insurance is required, so check to see if you have insurance with mandatory limits (or higher limits designed for your needs). Some statutory laws may require personal insurance protection (if not, you should still consider it, as it can protect you and your passengers if you are injured in a car accident).
You never know what might happen on the road, so you need to see if you would be covered if you cause any property damage or are involved in an accident with an uninsured or underinsured motorist.
Also, consider adding comprehensive or collision coverage to your car insurance policy (both come with the deductible, which is the amount you’ll have to pay if something happens before your insurance coverage kicks in).
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