An insurance card is what you receive with your policy in the mail about every six months. Most of us have lost their insurance card, which is also called “proof of insurance”. It’s not weird. The reality is that most of us don’t think about our ID until a policeman stops us, and we flip through the glove compartment.
It is a legal requirement that every driver will pay for personal injury or property damage caused by their car. However, it is impossible to check the appearance or proof of payment of a person and to determine whether they are capable or not, and that`s where insurance cards come in.
Insurance cards show financial responsibility. Since drivers must carry their insurance card with them always, losing this card can cause real issues, especially if you are involved in an accident.
Let’s dive into the details
What do I do?
If you lose your card, it is crucial to request a replacement card from your insurance company as soon as possible to minimize the likelihood of receiving a ticket, fines, or liability for unnecessary court costs.
Get a replacement for a lost insurance card
It is not the end of the world if you lose your insurance card. You can get it directly from your insurance company, and there are usually no problems. It is easy to get a new identity card.
First, call your insurance company. You can get their phone number online. Some companies provide these services online. However, you need your policy information to log in to your online system.
Second, when you call a customer service representative, ask what you need. Since it’s a service request, you don’t even need a licensed agent to send in your ID. Nowadays, cards can be sent to customers via email, fax, or mail.
One limitation of this process is some companies may charge you replacement cards. Usually, it’s a small fee. In my opinion, this is an unnecessary fee. Such five-cent operations result in the insurance company losing more goodwill than it earns with a $ 5 service fee. If you’re at one of these companies, it’s probably time to look around. You don’t want a company that clings to you at every opportunity. Though when comparing between AAA vs State farm, If you have very poor credit, State Farm could be the best option for you. On average, State Farm offers lower prices than AAA for prospective clients with credit scores of 579 or less and they would charge less in a situation where you loss your card.
Alternative to lost car insurance cards
In the event of loss of your car`s insurance card, it is vital to have some other form of proof of financial responsibility. If you were stopped, you wouldn`t have a problem if you have a digital copy or duplicate of your car insurance card. Unfortunately, not all states accept a digital copy, so you must have a duplicate somewhere in your car.
If the arresting officer does not accept any of these terms, you will likely be released if you display an electronic view of your insurance information by logging into your account as long as you have not committed a crime.
You must always keep a duplicate copy of your insurance card in your office or at home. That should be a long-term precaution as you won’t be able to drive home to get just your duplicate if you have been stopped.
Aside from that, you may also apply for SR22 insurance. This is not an actual “type” of insurance, rather, a certification that serves as proof that your auto insurance policy meets and complies with the minimum liability coverage which is required by the law. You can always have it while your insurance is still valid, even if you don’t have your insurance card.
You can also prove your financial responsibility with a letter of confirmation from your insurance company, a copy of the application for a government insurance program, or a copy of the insurance portfolio.