If the policy number you're searching for is exclusively in numerical format, break out the first three digits to get the Company Code-- also referred to as the DMV Code in some states. Generally, auto insurance policies last for six or 12 months. Of course, the person’s insurance coverage also needs to be active for it to do you any good. There are several ways you can find your car insurance policy number. 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. Our opinions are our own. #7 – What is the Driver’s Privacy Protection Act? You can also contact your agent if you have one to get the number. When you are looking for coverage, companies can run an auto insurance history report. Every auto insurance company is different in terms of technology. Failure to file proof will result in suspension of vehicle registration, license plates, and driver license. The only instance in which you should need to obtain this information yourself is in the event of a hit-and-run. You may discover in your search to find your current auto insurance provider that your insurance is not up to date. You could try searching your emails or bank records to see if there is a record of which company you addressed your payments to. We’ll discuss how you can get the police to help you with this and other insurance-related issues later on in this article. If you get pulled over by police for driving without insurance, your car could be impounded. For example, if you choose liability-only coverage, the damages to your car from an accident you caused wouldn’t be covered. What happens if my auto insurance expires? In cases like these, the best coverage option is uninsured motorist coverage. You can always call a government agency to find out what company you have on file. As long as you make your payments on time, you’ll have peace of mind knowing your coverage protects you. You can also check your own policy, as it’s always good to make sure you’re covered. He’s also been featured on sites like Reviews.com and Safeco. Pay any other registration fees and vehicle ad valorem taxes due, Within a 5 years: Suspended registration with $25 lapse fee and $60 reinstatement fee. If the policy cancels and you have a loss, the insurance company won’t pay for the claim. 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. Conversely, you might need to know the auto insurance information for another car. Look in Your Car . Did you know most auto insurers allow you to check the status of your insurance policy online? Here’s a list of places to find your insurance company: If you pay your auto insurance by a check in the mail, you are almost certainly sent a statement of when your bill is due. If the DMV is not the correct agency to contact regarding the insurance information, the police station should know which agency is. Always make sure you have the auto insurance coverage you need (work with a licensed insurer to purchase the right coverage for your location, lifestyle, and needs). This can give you a login so all you have to do is hop on a site and pull up your policy in a few minutes. .quote-new-360-mda .responsive-mda.mda, .quote-new-360-mda .responsive-mda.mda.home { 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. A policy is made up of written documents of a contract for insurance between the insurance company and the insured. According to the Insurance Information Institute (III), in 2015, an average of 13 percent of motorists were … There are a few different options to choose from if you’re setting up a payment plan. If car impounded, owner must also pay towing and storage fees. Insurance can help. You’ll need to give and receive the following information: It is essential this information is exchanged to make the insurance companies’ processes happen as smoothly as possible. Government agencies like the DMV or office of the Secretary of State should have a record of your auto insurance company. It’s possible to go through the whole process of buying a car, transferring the title, and obtaining car insurance without asking the previous owner whether there were any insurance claims against the car. 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. Where can you find your car insurance policy number? If you do not own a car, you can purchase non-owners auto insurance by using a comparison tool. All you have to do is call the office or go there in person to get information about insurance. If you’re in an accident, it’s vital to collect the other driver’s insurance information, since there’s a good chance you’re going to need that when filing a claim with your own insurer. You can also always call the police and they will be able to help you verify whether an auto insurance policy is active. Should I check to make sure my auto insurance is current? Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a notation requiring that person keep proof of liability insurance on file with the department. If you’re an administrator at a school and need proof of insurance for parents to drive for field trips. 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. For example, on the AllState site click "Customer Login." Should I ask the other driver if their car is insured? background: none; If you can’t get the information yourself, it’s wise to contact your state’s department of motor vehicles (DMV), which is also known in some states as the Bureau of Motor Vehicles (BMV) or Motor Vehicle Division (MVD). Understanding Your Auto Insurance Contract. For Progressive click "Login.". If you need additional coverage, look into optional insurance packages. An online policy can be helpful in several different instances, especially when you want to look up an auto insurance policy number online quickly. Let’s look at just what happens if you drive with no auto insurance. Our opinions are our own. A full name and the necessary contact information, The insurance company and its policy number, A driver’s license and the car’s license plate number, The type, color, and model of the other person’s vehicle. Exactly what coverage you have available to you, any discounts added to your account, the cost of the coverage, and when your policy expires will be listed in the contract. Understanding the coverage is one thing; having to sort through your options is another. Your contract is an agreement with your auto insurance company that tells you specifically what is covered, at what rate, and for how long. 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