Each state has minimum auto insurance requirements. it is important to know how to confirm that all parties are insured in the event of an accident. There are a few ways to verify car insurance coverage, but first you’ll need to gather the correct information, such as the policy number and the name of the insurer.
once you have your information, you can use the dmv to verify insurance or call an insurance company directly. Read on to find out how to quickly find out if your auto insurance coverage is active or if another driver has auto insurance on their vehicle.
how to quickly check auto insurance coverage
To check someone’s car insurance details, you’ll need to collect information about the driver and their insurance policy. Once you have what you need, there are a few different ways you can check for active auto insurance coverage. Below we have outlined the complete steps to verify car insurance.
collect relevant information about the driver and coverage
Before you verify auto insurance coverage, you should gather the proper information about the auto insurance policy in question, whether it’s yours or someone else’s. In general, the following information is what you will need to have on hand:
- basic contact information
- vehicle identification number (vin)
- registration number
- driver’s license number
- insurance company. You can call the insurance company to verify that a driver actually has active insurance through that provider.
- department of motor vehicles (dmv). can verify the dmv’s insurance verification of another driver’s insurance coverage, but you’ll need proof of why you want to verify coverage, such as a report police report of a crash involving the driver.
- Contact the police. If you are in an accident with another driver and are unsure about your insurance information, the police can remove insurance and driver information and verify coverage .
- borrowing a car. If you are using someone else’s car, you should always check that the car you are driving has insurance.
- companies. If you own a business, you should make sure your employees have auto insurance if they use company cars for work.
- divorce. If you are getting divorced, you should make sure any car you own has auto insurance coverage in your name and remove your former partner’s name from the vehicle registration.
- schools. If a parent is driving the students, she should always check that she has auto insurance coverage.
It’s best to gather this information before checking auto insurance coverage, so you don’t have to struggle to find it when you’re on the phone or searching online. Once you have everything listed, you can continue with the coverage verification process.
verify car insurance coverage with a trusted source
There are a few different ways to check car insurance coverage. If you want to check your own coverage, the quickest way to do so is to log into your auto insurance account or call your insurance company.
However, the process takes a little longer if you want to check another driver’s auto insurance. Below we have listed some of the ways to check auto insurance coverage for another driver.
Contacting the police is a smart move if you’re in a car accident and need to check another driver’s coverage. The police report is helpful documentation to verify coverage or if you need to file a hit-and-run claim later with your insurer.
when should you check auto insurance coverage
There are some situations where you should check car insurance coverage, either for yourself or another driver, as driving without insurance is illegal. We’ve covered some common situations where you should check auto insurance coverage below.
Whenever you drive someone else’s car or have someone else drive it, you should check auto insurance coverage. The last thing you want is to be in a car accident and then find out that the car has no insurance coverage.
the end result
A car insurance check should be done any time you are in doubt about another driver’s insurance coverage or if you are concerned that your insurance may have coverage lapse. As long as you have the right information, you can quickly verify insurance coverage.
If you don’t have the correct information, it’s smart to call the police for help, especially if you’re in an accident, as it will help you file a claim later.
If checking your auto insurance coverage has led you to look for a new auto insurance policy, searching for quotes is the best way to find an auto insurance provider with affordable rates.
