Do you remember when you were a kid in school and you were required to have a note from your mother to skip gym. Proof of insurance (POI) is like that. You should carry proof of your auto insurance with you at all times – either in your vehicle or on your person. It’s the law in many states and most people are aware of this. It’s second nature to keep proof of insurance in your car. Like that note from your mother, you’d better comply.
If you are stopped by a police officer, you may be asked to show proof of insurance for the car you are driving. The reason you need to keep proof of insurance in your car is because the law requires you to have car insurance. Your state doesn’t want uninsured drivers roaming the streets. It’s dangerous and expensive.
History of Mandatory Auto Insurance
In the early 1900s, the automobile changed the way we get from place to place. With that change came hundreds of related changes like the interstate system and the number of travel-related accidents, fatalities, and laws. As early as the late 1920s, lawmakers began to introduce laws that mandated auto coverage for drivers. This idea caught on and by the 1950s nearly every state required automobile liability coverage. With it came the practice of requiring drivers to produce proof of insurance whenever asked by a law enforcement officer.
What Amount of Auto Insurance Am I Actually Required to Have?
States require at least basic liability insurance. Some states necessitate other coverage as well. Liability coverage (also referred to as “liability”) protects you from damage you do to others or to property in the case of an accident. If you are interested in finding out the auto insurance coverage you need by law, ask your local agent. He or she will be happy to answer your questions and compare quotes.
What is Proof of Insurance?
Proof of Insurance is a type of documentation that verifies the purchase of valid insurance. It is usually a piece of paper called an insurance card provided by your insurance company. It shows the insurance company name and contact information, the policy number and coverage dates, the insured driver’s name, and car make, model, and VIN number. Once you have an auto policy with an insurance company, you will automatically receive a set of these cards.
Keep It Current.
Be aware of the expiration date on your policy and make sure you replace your proof of insurance card in your car as soon as you are issued a new one. Proof of insurance will automatically be sent to you by your insurance company as long as you keep your policy current. Fines can be steep for not having current proof of insurance. You always want to be insured and ready to produce proof of your coverage should you be asked by an officer of the law.
Make sure you have adequate coverage on your vehicle. It should be enough to meet statutory requirements AND to protect your current and probable future assets. It’s the smart thing to do. Remember, you can always ask your local agent about any questions you may have regarding auto coverage. Your insurance agent is like your parent. They will get you what you need and send you off safely and confidently, with note in hand – your proof of insurance card.
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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.
While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.