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4 Times You May Be Asked For Auto Verification Insurance

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Having auto insurance is an important component when driving. It protects you and other drivers on the road. Most companies send you a physical insurance card in the mail, but others may provide you with digital proof only. Even without your card, you know you have your state's required coverage, but there are times others may ask you to verify your coverage. Here are a few times you may require auto verification insurance coverage.

1. When Renting A Vehicle

Rental companies do not require a personal insurance policy. If you do not have insurance, rental companies charge insurance through their company. The rental company's policies are usually a certain amount per day and add to the cost of your rental.

If you already have a policy, providing auto verification insurance coverage to the rental company can save you this expense. The company will ask you for your insurance company's name and policy number.

The rental company either locates your information online or sends your company a verification form to obtain specific information about your policy. Once the information is received, they will waive the additional coverage they require.

2. When You Have An Accident

At the scene of an accident, the officer asks both drivers for proof of insurance coverage. If you have your insurance card available, the responding officer generally transfers your information from your card to the accident report.

If you do not have proof of insurance, the officer may require verification from your insurance company. Proof is required if you are at fault in the accident and the other driver needs your information.

3. When You Are Speeding

Flashing blue lights in your rear-view mirror is never a good feeling. Unfortunately, it can give you heart palpitations if you know you do not have the documentation the officer is requesting. 

When an officer stops you for speeding, they generally ask for your driving license and vehicle registration. Unfortunately, if they write you a speeding ticket, the Department of Motor Vehicles will sometimes run a report to ensure you have the state's required auto insurance coverage. If DMV does not find your coverage in their computer system, DMV will require insurance verification from your insurance company.

4. Upon Notification Of Cancellation From The Insurance Company

When the insurance company notifies you that your insurance policy is canceled, the Department of Motor Vehicles receives the notification. DMV then requires you to provide proof of other insurance when you allowed the policy to lapse. Failure to verify can result in the revocation of your tags, a fine, and possibly a suspension of your driving privileges. 

Click here for info on auto verification insurance.