The proof of insurance is the documentation from your insurer that shows that you have an active insurance policy that meets state requirements. It is used when you are stopped, have an accident, rent a vehicle, or ask you to show it another way. The proof of insurance is usually an identification card, printed or electronic, provided by your insurer. To add a car to your policy, you can update your policy online or call your insurance company.
Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle. You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy. Collision coverage helps cover damage if your car has an accident with another car or stationary object, such as a tree.
In the insurance world, claims are commonly referred to as losses, and the amount of losses a particular brand and model has can affect the cost of insuring. For example, Progressive allows 30 days, which means that if you file a claim within that period, your new car will continue to be covered in the same way as your old vehicle. You may need to present proof of insurance to your landlord, mortgage lender, or condo association, but you usually won't need an insurance card for property insurance policies. Whether you're driving through the majestic Redwoods or navigating the mountainous terrain of San Francisco, Progressive has you covered if you're looking for great car insurance in California.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. Keep in mind that you could lose your e-discount if you choose to receive your car insurance card in the mail. With the above information in hand, you can start buying car insurance online, over the phone, or through an agent. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple.
California doesn't allow insurance companies to use your credit score to calculate auto insurance rates. Yes, you can show proof of insurance on your phone at the DMV or BMV in every state that accepts proof of digital insurance. Learn more about California car insurance minimums, available coverages, and discounts to keep your insurance costs low. Since most insurers offer a grace period to update your policy with your new vehicle, your dealer will usually only need proof of insurance before giving you the keys.
Even if your car is paid for, you should consider having comprehensive and collision coverage if your car is new to avoid paying an expensive repair bill. If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company.