The chances are that if an individual owns an automobile or plans on operating one, the law will require that the vehicle and driver are covered by an auto insurance policy; although there may be a few states that have a few exceptions to such laws. In addition to the need to keep vehicles insured, there are many states that require motorists to also carry proof of automobile coverage at all times while behind the wheel and fortunately, there are many ways to go about getting such documentation.
Prior to acquiring a document that will prove that a vehicle is insured, motorists must first purchase a policy from an insurer. This can be done in a number of different ways such as purchasing policies in person directly from an agent, over the phone or even on the Internet. Following a purchase it is extremely important that the policyholder obtain proof that the automobile is insured. Generally, when a policy is bought, the insurer will issue an identification (I.D.) card which may be temporary and a permanent card will be mailed, but depending on the method used to obtain coverage, there may be a few different options to choose from. If a motorist is sitting across from an agent when buying a policy, an I.D. card will usually be handed right over to the newly insured once the transaction is complete.
Nowadays, consumers have the ability to get policies right from the comfort of their own home so they will need to be sure that the documentation is sent a soon as possible and prior to operating their automobile. Whether the transaction is completed on the phone or over the Internet, the option to obtain the car insurance cards online via email, right on a website or by fax should be offered; the insurer can mail the paperwork, but it could take days before it is received. In addition, if identification cards are ever misplaced, it should take very little effort to replace them and can be easily done by contacting the insurer or even visiting their website and printing them out.
Obtaining the documentation proving that a motor vehicle is insured should be fairly easy once a policy is purchased from a carrier and any good company will be happy to provide a replacement should a customer misplace their proof of car insurance. With that in mind, motorists should also have this paperwork handy while operating an automobile. Although not all states require that drivers carry policy information, there are many times when it can come in handy and there really is not reason that it should not be accessible to a motorist driving a vehicle. Usually a company will send two identification cards to policyholders and one should remain in the vehicle in an area such as the glove compartment; this will help those who may borrow the automobile access it should they need it.
There can be many situations that may arise where having proof of coverage can be helpful and assist in avoiding complications. In the event of a traffic collision, whether the state requires I.D. cards to be carried or not, the parties involved will need to exchange information to settle claims and collect compensation from the insurer; all of the necessary information should be located on the identification card and can speed up the process of settling these matters rather than having to obtain such info later.
In states that require motorists to carry policy documents at all times, simply gathering the info at a later time may not be so cut and dry. According to the Missouri Department of Revenue a ticket can be issued for lack of proof of insurance and many states follow the same law with some enforcing harsher penalties. It is often advised to contact the police if involved in a collision with a driver who cannot prove that they are insured. If a law enforcement officer arrives on the scene of the crash and one of the parties is lacking the necessary documentation, it may result in a ticket and even the impoundment of the vehicle; this can be a costly result of simply not putting a tiny piece of paper in an automobile. Keeping policy information in cars at all times can save a lot of hassle and takes very little effort.