The proof of insurance is the documentation from your insurer that shows that you have an active insurance policy that meets state requirements. It is used when you are stopped, have an accident, rent a vehicle, or ask you to show it another way. The proof of insurance is usually an identification card, printed or electronic, provided by your insurer. To add a car to your policy, you can update your policy online or call your insurance company.
Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle. You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy. With most insurance companies, you'll be able to get proof of car insurance immediately after buying a policy.
While not all insurers offer digital insurance cards, legalizing them by state usually means that if you have one, you don't have to worry about carrying a piece of paper in your wallet or glove compartment. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. You may need to present proof of insurance to your landlord, mortgage lender, or condo association, but you usually won't need an insurance card for property insurance policies. We help Maryland drivers with a poor driving record or risky first-time drivers get affordable auto insurance with full coverage.
However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. Keep in mind that you could lose your e-discount if you choose to receive your car insurance card in the mail. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.
Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together.