Some people never know if they have auto insurance until it's too late. A divorce and perhaps even taking over a family member's finances could put you in this position. Identifying your carrier may be impossible. Even if you haven't had to claim your car insurance in a while, knowing whether or not you're properly covered is still important. Car insurance is required by law in the majority of the country. Since auto accidents can happen at any time, it's wise to maintain continuous insurance coverage. A valid form of identification is also needed in most states to renew having a good registration and license plate. Find out if your car insurance is up to date.
Here's How to Determine
Check the Internet for a policy.
When it comes to insurance, do you recall the name of the company your loved ones have relied on in the past? If that's the case, that might be a decent starting point. Many insurance companies now allow customers to manage their policies online, including making changes and renewing them. Find out if your insurance policy is up to date with a quick check by entering your policy information and the email address you use to communicate with the insurance provider.
Search Your Motor Vehicle
There is a good chance that you have a card or proof of insurance for your car in the car at all times. That way, it will be handy if there is ever an accident or a traffic stop. If somebody else had been handling someone's car insurance for each other, the necessary paperwork might have been left in your vehicle. Look in the trunk, the back seat, and the spare tyre compartment for proof of auto insurance. Even if incomplete, paperwork from a prior year can serve as a springboard. Verifying a policy's renewal status is possible by contacting the insurance provider.
Check out the database for car insurance (MID)
The Automobile Insurance Database allows you to check your car's coverage at no cost. Put in your VIN and check a box to show you've reviewed and comprehended the Privacy Protection Declaration, and you're all set.
Get a new quote for insurance.
To some, this may seem like a surrender in their search for their (possible) current insurance policy. When you ask for a quote for auto insurance, most insurance agents will check a database to see who your current insurer is and whether or not your coverage has lapsed. The insurance agent can tell you which company you have coverage with if they appear on the report, which they should if you have insurance. Using a comparison site is another fantastic way to find cheap auto insurance. You won't have to go to each insurance company's website to compare rates because you can do so here. Find out if your current automobile insurance policy is still active, and if the new quote is cheaper, you may decide to switch. Your old auto insurance provider should issue a prorated refund.
Contact the Secretary of State.
The office of something like the State Treasurer maintains insurance information for drivers in many states. Contact the office via phone or in-person to find out if they can look up your insurance policy using your driver's license number and other identification numbers. You may discover that you need a new auto insurance policy after learning the specifics of your current one. Even if you already have insurance, you may be able to save money (and possibly even get a refund) by switching policies.
Conclusion
There are some ways you can verify your car insurance status online if you're unsure whether or not you have it. Check bank records and look in the glove compartment; many people store insurance details there. You can also find this information by applying for a new itemized bill, contacting common carriers, or checking with the Secretary of Government's office. Some people never know if they have auto insurance until it's too late. A divorce but rather taking around a family member's finances could put you in this position. Identifying your carrier may be impossible. Even if you haven't had to claim your car insurance in a while, knowing whether or not you're properly covered is still important.
