Instant Proof of Insurance
For many of us, purchasing insurance is a hassle, generally done at the last minute to avoid any sort of penalty.
However, depending on how you purchase your insurance policy, you may wind up with no proof once you have done so, which may be illegal in your state.
In response to this common problem, you’ve likely heard radio or TV advertisements touting the ability to offer you “instant proof of insurance” immediately after you purchase your policy online or over the phone.
While this is a convenient service, it is by no means hard to come by or exclusive to any one company. Let’s look at how this “magical” process works.
What constitutes proof of insurance?
You have proof of insurance if you carry a declarations page or an ID card issued by the insurance company you purchased from.
These are documents, normally kept in your glove box, that demonstrate you carry at least the mandatory minimum liability limits for your state.
An insurance agent is also capable of creating an ID card for you if you visit their office.
How do I obtain instant proof of insurance?
Really, what we are talking about here is insurance companies that sell over the phone or online.
As discussed previously, if you work with an agent, they can type you up a temporary card in most cases.
Here’s how it works when buying over the phone or online:
- A PDF file of your ID card is generated when your insurance policy is bound (purchased).
- The PDF file is emailed or faxed to you.
- If emailed, you print the PDF and stick it in your glove box.
That’s it…seriously! It’s not necessarily rocket science, but if you need proof of insurance fast, it serves the purpose.