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Keep Proof of Car Insurance

Auto insurance is a commodity that drivers are required to have in one form or another in virtually every state across the country. Aside from paying out large quantities of cash or buying bonds to self insure, there are very few ways around this requirement. Going right along with the various state laws requiring auto insurance are similar regulations regarding proof of insurance for drivers. Carrying some form of insurance in your vehicle is very important. Laws in different states stress the enforcement of auto insurance laws in slightly different ways. Some states call themselves financial responsibility states, and want to make sure their drivers are always ready to take on their financial responsibility in the event of an at fault accident. In these states, insurance cards need to be handy for when responding officers arrive at the scene of an accident. They are also important to have whenever a law enforcement officer requests them.

In no fault states, insurance cards are important because they contain critical data about the personal injury protection (PIP) carried by the insured. Personnel responding to an injury accident can understand right away what the insurance situation is and react accordingly. There may be different protocol for treating uninsured motorists in some states, and those who are on the scene always have to know what they are dealing with for many different reasons beyond the scope of this discussion.

Proof of Insurance Always Important

Cash deposits and bond purchases are a few of the alternative ways drivers have for satisfying their financial responsibility as motorists in their home states. But in most cases auto owners opt for auto insurance policies. And having that evidence of current and adequate insurance in the vehicle is extremely important. States enforce their no fault or financial responsibility laws in different ways, but drivers should always be prepared to demonstrate that they are in fact insured according to the terms of the law.

In many states, proof of insurance is required in a vehicle at all times, and failure to produce it upon request by a law enforcement officer can mean a citation, fine, or other penalties. This is not the case in all states, but it is still important to carry insurance proof everywhere you drive. In the event of an accident, it is much easier to exchange insurance information with the other motorists involved if you have that card with you in the glove compartment. Failure to produce it may make the others involved distrust you and to wonder whether you really are insured. You might also be given a court date and be required to produce proof that you were in fact insured on the date in question in order to avoid jail time or other consequences. On top of that, without your card with all the pertinent information in front of you, it will be much harder to contact your insurer and open a claim at the scene of the accident. As motorists, we need to know how important it is to get claims started as soon as possible. The best time to do it is on the scene while waiting for law enforcement officials to arrive.

Temporary Auto Insurance Identification Cards

When a driver buys a policy, the insurer should provide some sort of temporary identification card to place in the vehicle while the permanent ones are en route in the mail. As a consumer and an auto owner, it is extremely important to put these temporary cards in your vehicles right away. Make sure you replace the old expired ones and get the new ones into place as soon as the new policy is in force. Don't make the mistake some people make of waiting until the permanent cards come in the mail. That produces a window of opportunity during which you might be pulled over or involved in an accident or other claim situation. In dealing with law enforcement, you will need to have that evidence of being insured in order to proceed through the process. And you'll want that information in your vehicle to get the ball rolling on the claim as well. If you spend all that money for your policy, you need to make sure it is there for you if you need it. Don't risk a needless ticket or a court date that is completely avoidable.

Insurance Cards and VIN Numbers

The insurance cards motorists receive to place in their vehicles also contain important information that's critical to police reports and insurance claims. The make and model year of the car involved, the name and basic information about the insured, and the VIN (vehicle information number) of the vehicle are all there. The VIN number is particularly important for officers and adjusters in cases.

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