Where can you find your car insurance policy number? You want to have an idea of what coverage you have and the limits associated with that coverage. Casey Y. Lv 7. In some cases, you will also be able to make changes to your policy online. Every Auto Insurance Company’s Technology is Different. To find a non-owner auto insurance policy, you can use an insurance comparison tool. The exact wording for this option will vary. 02 Paying your bill Click "Payments" in the top navigation bar to display billing and payments info. }. When trying to find out if a vehicle has auto insurance coverage, the more information you have, the better. Insurance Agencies Inc. specializes in nonstandard or high-risk auto insurance in Michigan. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists, Collision vs Comprehensive Auto Insurance, Guaranteed Auto Protection (GAP) Insurance, Custom Parts and Equipment (CPE) Coverage, Fine: Up to $500; registration suspension with $200 reinstatement fee, Fine: Up to $1,000 and/or six-month license suspension; $400 reinstatement fee with four-month registration suspension, Fine: $500 (or more); license/registration/license plate suspension for three months, Fine: $750 (or more within 36 months); license/registration/license plate suspension for six months, Fine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; court may order impoundment, Fine: $250 to $500 fine — minimum fine mandatory; suspended registration/no plates until proof of coverage plus $20 reinstatement fee. Managing your auto insurance policy online or with an app can help determine when rates need to be paid. Just the Policy Number. Enter your ZIP code below to view companies that have cheap auto insurance rates. Almost every state requires different types of auto insurance coverage, but 13% of U.S. drivers are uninsured. What steps do I take if my auto insurance is not current? If the other driver doesn’t have auto insurance, you will have to file the claim with your insurance company. Comparison shopping should be easy. You may be able to locate an expired or current proof of insurance card, and getting your hands on this document will be the fastest way to know if you have car insurance. The paperwork will ask for details about the origin of the vehicle, its mileage, the history of the vehicle, and the last transaction made between you and the previous owner. When it happens, you may be in shock or confused and unsure of exactly what you need to do. This is because of the Driver’s Privacy Protection Act, which we’ll talk more about later. An online policy can be helpful in several different instances, especially when you want to look up an auto insurance policy number online quickly. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled over, Fine: $300 to $1000 and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100, Fine: $800 to $2500 within three years; license/registration suspension; reinstatement fee: $300 if revoked within previous year, otherwise $100, Fine: $500 to $1000 fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shown, Within five years: 180 days in jail and/or $1000 to $2500; license plates and registration revoked for one year or until proof of insurance is shown, Fine: $500 to $1000; If in car accident, fine plus registration revoked and driving privileges suspended for 180 days, Fine: $100 to $500; suspension of license and registration until proof of insurance, Lose license plates and vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registration, Fine: $500 to $5000 fine and/or imprisonment for one year or less, Within six years: License/driving privileges suspended for one year, Fine: $200 to $500 fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of State, Fine: $200 to $1000 (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 months, Fine: $1000; driving privileges suspended for one year or until proof of insurance, Four points against driving record; driver may be supervised; suspended until proof of insurance with $20 reinstatement fee, Four points against driving record; driver may be supervised; suspended for 90 days with $200 reinstatement fee, Fine: $250 to $500 fine and/or imprisonment for no more than 10 days, Fine: $350 and/or imprisonment for no more than 10 days — within 5 years; license and registration revoked until proof of insurance and payment of reinstatement fees within 90 days, License and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years, Fine: $250 to $1,000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsiblity) if lapsed more than 90 days; reinstatement fee: $250, Fine: $500 to $1000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, SR-22 (proof of financial responsibility) if lapsed more than 90 days; Reinstatement fee: $500. Our opinions are our own. According to the Insurance Information Institute (III), in 2015, an average of 13 percent of motorists were … How do you use your car insurance policy number in an accident? If you can’t remember the details for your online account or the name of your agent, you can always look for your last insurance statement or check your bank account for recent auto insurance drafts. No worries. We’ll discuss how you can get the police to help you with this and other insurance-related issues later on in this article. When you first buy auto insurance, it’s easy to keep track of when your payments are due. Each company offers different coverages at different policies. This card is always issued by the insurance provider because you may need to show it to a police officer if you are pulled over while driving or if you are involved in an auto accident. 0 Shares Most of the times, low premium costs are the only deciding factor while picking a car insurance policy. Additionally, there was a recent amendment to the Act that requires states to get permission from individuals before their personal motor vehicle records can be sold or released to third-party marketers. They typically walk into a car dealership and fall in love with a particular vehicle, Fine: $400; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee, Fine: $1000 — with three years; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee, Fine: up to $500; license suspended until proof of insurance, Fine: may pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If you’re misquoted, you will receive a bill for the balance due. Search your car. This is where having uninsured motorist coverage will really come in handy. It’s important to understand what your policy entails with its coverage, your rate, and any applicable endorsements that you may have. Editor-in-Chief. Your auto insurance contract determines exactly what is covered in the event of an accident. If you’re not sure how to check your auto insurance due date, we’ve gathered what you need to know. But this is just a worst-case scenario; the person may, in fact, have insurance. If you find yourself in a situation where you need to know if a car has insurance or who the insurer is — maybe you’ve forgotten who your insurer is or you were the victim of a hit-and-run — don’t worry. The Act has penalties for violations, and the individual whose information was released can take civil action against the violator. Copyright © 2000-2021 | AutoInsurance.org | 113 Cherry Street, #37960 Seattle, Washington 98104-2205 | Privacy Policy | Terms & Conditions | CCPA. Posted by Alicia Baker July 16, 2019. When you are unable to locate or access your car insurance policy, one way to retrieve it is to contact your car insurance provider and request that a copy of your policy be mailed to you. 4 years ago. You can also check your own policy, as it’s always good to make sure you’re covered. It was created in 1989 after there was a series of abuses involving drivers’ personal information held by the government. The exact wording for this option will vary. In just one accident involving another driver or pedestrian, you could be responsible for a significant amount of damage, which would have to be paid out of your own bank account if you don’t have valid auto insurance coverage in place at the time of the accident. When you can pull up your policy online, you can easily compare what your new company is offering you versus what your current company is providing you now. You may be able to figure out the car’s insurance status with this information alone. Hence, we end up with an insurance policy that only serves the legal aspects as devised by the vehicle insurance laws. The paper statement will obviously include the name of your auto insurance company along with contact information on how to ask any questions about your policy or coverage. The amount of money you must pay is dependent on your risk class and how much you are billed for the new policy term. Why? Use these simple tables to check what features are a ‘must have’, a ‘should have’ or a ‘could have’ to make sure you buy the right policy for you. What should I do if the DMV can’t provide me with the other driver’s auto insurance information? The officer should provide you with a report number that you can give to your insurance company. If you set up a payment plan, you need to keep up with your due dates so your policy doesn’t cancel for non-payment. Driving with insurance many days you have a host of features – some important, and glove box you! 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