Drivers Should Always Carry Proof of Insurance

In most states, you need to have a minimum amount of car insurance coverage when you are driving. The only exception is the state of New Hampshire, where its residents don’t have to carry insurance proof, but they have to prove they can pay the damages in the case of provoking an accident. In many states, you will have to provide proof of insurance when you are pulled over by the police, or if you are involved in an accident. On our website, you can find the best rates for each state minimum coverage by filing free car quotes, so that you won’t get caught off guard without proof of insurance.

The penalties for driving without having proof of insurance are:

  • car insurance quotesReceiving a ticket. On top of the fine, you will have to pay for the original reason you were pulled over, in many states if you don’t provide immediate proof of coverage, you will also have to pay a fine for a no insurance violation. The penalties for a no insurance violation can be as high as $5,000. If you were insured at the time of the incident but forgot to carry proof of insurance for whatever reason, you can appeal the fine in court, to dismiss it or to have a reduced fine instead, depending on the state where the event happened.
  • License suspension. In some states, if you are caught driving without carrying proof of insurance, your license can be suspended until you will provide proof of insurance and pay the taxes for the license to be reinstated. Depending on the state, multiple offenders can get their license revoked. You can also expect to pay higher insurance premiums in the future.
  • Your vehicle can get impounded. If you get caught by the police without having proof of coverage on your possession, the police officer could prevent you to keep driving by having your car towed and impounded. To have your vehicle out of impound, you will have to provide proof of coverage. It would be best if you did this quickly, as some impound lots will put your car to auction in as little as three days since they got it. Towing, however, remains at the police officer’s discretion. Depending on the circumstances, police officers can decide to issue you a ticket for lack of insurance, without having your car towed.

There is some good news though, especially for those who tend to forget where they keep their stuff, including important documents like insurance cards. Most states, except for New Mexico and District of Columbia, allow the drivers to use digital insurance cards. Depending on the insurer, this digital insurance cards can be displayed on the insurer mobile app while connected on the internet, or they are digital versions drivers ID cards that can be downloaded from the insurer website.

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