Lightning Fast Coverage Verification for Auto Insurance

You can verify car insurance coverage by either calling your agent or customer service, or going online. Some states let you verify coverage online through the the state Department of Public Safety.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • You can find verification of your insurance online or by calling your agent
  • You may need to verify coverage if you’re going through a major life change
  • Make sure you’re carrying the requirements your state demands

A quick way to verify auto insurance coverage is online. Depending on the reason for your need to verify coverage you may also just want to call your insurance agent.

He or she will have all of the information that you need, including the types of coverage that you currently have, your liability limits, and the deductible amounts if applicable.

Most states require you to carry insurance on any vehicle that you drive. The consequences for not carrying coverage can be huge so you want to ensure that you are insured properly.

Verifying coverage for auto insurance is one way that states keep track of who has insurance and who does not.

If you are looking for affordable car insurance rates, just enter your ZIP code into the FREE quote box available!

Reasons for Verifying Auto Insurance Coverage

There may be a few reasons as to why you want or need to verify insurance coverage for your vehicle. One of the reasons is for your own personal use.

It maybe has been awhile since you have sat down with your agent to discuss your car insurance needs and you don’t remember what type of coverage you carry.

If you possibly are going through a life change, such as a divorce, marriage, or a new teenage driver, you will probably need to make sure you are properly covered and if not, make changes to your policy accordingly.

You will also want to verify that you are properly covered if you buy a different car or an additional vehicle of some sort.

Another reason you may need to verify your auto insurance is to satisfy requirements set out by your lender.

If you just leased a new vehicle or you are financing a car you purchased, you more than likely will be required to carry certain types of coverage to fully protect the vehicle.

In most cases, this means that you need collision coverage and comprehensive coverage. Often times, your lender will ask you to verify that you have the correct amount of coverage to satisfy their conditions.

Many times, you will need to verify coverage due to a request from your state.

According to the Insurance Industry Committee on Motor Vehicle Administration, 49 out of the 50 states have laws that require liability insurance for all vehicles.

Even with these mandates in place, the Insurance Research Council reports on data that shows nationwide about 14 percent of drivers on average are driving without the suitable amount of insurance.

This places a lot of financial responsibility on drivers who get into accidents with uninsured ones.

To help decrease the number of uninsured drivers on the road, states have started to keep track of those who have insurance and those who don’t. They do this by requesting you to send verification of coverage.

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Verify Online

One of the quickest ways to verify auto insurance coverage is through the Internet. This can be done at your convenience, no matter what time of the day it is.

You also don’t have to worry about hanging around for long minutes on the phone, waiting for a customer service representative to help you.

A great source to verify coverage on your vehicle is through the consumer website.

You will usually access this after you have gotten a letter in the mail that requests a copy of your policy.

You will be asked for the reference ID and control number that the letter includes, as well as information from your declarations page.

Some states, such as Oklahoma, allow you to verify insurance online through the Department of Public Safety.

You will need to have certain information available including:

  • Your policy number
  • VIN
  • Current insurance company

If you do not have access to the Internet or you are having trouble accessing any of the available sites there are other ways to verify coverage.

The Department of Motor Vehicles

The Department of Motor Vehicles in your state is a good resource to contact when you need to verify your insurance information.

In order for the information to be current, make sure that you update your insurance information at the DMV whenever you make changes to your policy or change insurance providers.

If the thought of paying a long visit to the DMV does not sound appealing, don’t fret; most DMVs can be contacted via snail mail, telephone, the Internet, or through email.

Verify Through your Insurance Company

You can also confirm that you have the appropriate coverage by contacting your insurance company.

If you have an insurance agent, get a hold of him or her first, as they will probably be easier to get in touch with and they should have easy access to your policy.

A good agent will also send in the verification to the appropriate place so that you don’t have to worry about it.

If your insurance company doesn’t use agents or if you are having difficulty getting a hold of your agent, your next step would be to contact the company itself and speak to a representative.

If this is the case, you will be helped faster if you have your policy information handy. Let the representative know that you need verification of your car insurance.

The customer rep may be able and willing to send the verification in on your behalf.

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Requirements for Car Insurance

The more you know about what is mandated in your state in regards to car insurance, the better. Contacting your state insurance department is a good start, as is speaking with an insurance agent.

The requirements vary from state to state so it is important that you get coverage that is appropriate for where you live.

Liability coverage for bodily injury and property damage is one requirement that is the same across all states. The difference lies in the amount of limits that you need to carry.

Each state lays out how much you need to carry according to one bodily injury case, bodily injury limits for the entire accident, and limits for property damage.

Other states require you to carry additional coverage besides liability. Some states require you to carry some type of coverage for medical injury.

This differs from bodily injury liability, as liability only covers injuries to the other party. Medical injury coverage helps to pay for injuries to yourself or passengers in your own car.

There are a couple of different names for coverage for injuries, depending on which state you live in. Some states refer to it as medical payments coverage while others call it PIP, or personal injury protection.

Once your insurance company has paid these amounts, you are responsible for whatever is left. This is why it is always a good idea to increase the limits higher than are required.

In fact, in regards to bodily injury, the Insurance Information Institute highly recommends carrying a limit of $100,000 for each person injured and $300,000 for bodily injuries for the whole accident.

To help protect you against drivers who are on the road without insurance, some states may require that you purchase uninsured motorist coverage.

Also, remember that if you are leasing or financing your vehicle you will probably have additional coverage that is required for your vehicle.

Consequences of Driving Without Car Insurance

Most states require that you carry car insurance. If you end up dropping the required insurance coverage or if you find out that you never had the insurance in the first place, there are a few things that you need to do.

The number one thing is to stop driving, as it is illegal to drive without insurance.

Along with not driving, some states will require you to cancel the registration on your vehicle as well as give up your license plates.

Once you have done this you will have to purchase an insurance policy before you can get everything back.

Usually, all you will need to do is show proof of your new insurance to the Department of Motor Vehicles in your state.

If you are caught driving without proper insurance there are multiple consequences that can cost you big bucks and your driving privileges.

You will lose your registration and will usually have your driver’s license suspended as well. Most states will also tow your car in addition to giving you a big fine.

If you happen to have caused an accident as well, you are responsible for paying for all of the damages, especially damage to the other vehicle and passengers.

If you don’t have the proper funds or if you refuse to pay, the other party has the right to sue you and come after your assets if necessary.

There are multiple reasons as to why you may need to verify the coverage that you carry for your vehicle. Fortunately, there are many ways to do so and many of them are quick and easy.

Searching for cheap auto insurance rates can be quick by just entering your ZIP code into the FREE quote box on this page!

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