In many states, it is a legal requirement to maintain auto insurance. Not doing so can cause you to face fines and, in some cases, even the removal of your driving privileges. How does the state know if you have coverage? There are various ways, but one way is by requiring you to show proof. How does this happen?
What is Proof of Insurance? 
In most situations, car insurance companies provide you with a wallet-sized card or other documentation that you have coverage. The coverage includes a policy ID number. It also includes information with your name, address, and contact information on it.
Normally, you need to provide this to the police if requested. However, the Department of Motor Vehicles may request it from you as well. You should keep a copy in your vehicles at all times.
If the authorities request proof of coverage, you may need to provide some evidence of proof that you have insurance coverage that is up to date. The easiest way to do this is to provide your insurance care from your auto insurance agent. This can provide all of the information necessary, including the identification number of your policy.
If you do not have this card, you may be able to contact your car insurance agent right away. They can sometimes provide you with access to this information. Your insurance policy itself can work in this manner as well. Many companies also now offer mobile apps where you can pull up your policy information quickly.
Spot Checks – Some States Keep an Eye on You
In addition to this, some states will randomly send information, such as a letter, to you. They may require that you submit information proving you have insurance at a specific date. As long as you have this information, you’ll need to submit the information to the DMV, following the instructions they provide. Keep in mind that most of the time, there is a short deadline for doing so.
If you do not have auto insurance during this time, it may be important for you to work with an insurance company to get coverage in place right away. You may still face fines for not having it prior to this date, though. Your state’s laws dictate what steps you need to take in this situation.
When you need to provide the DMV with proof of insurance, do not delay in doing so. You do not want to risk losing your license. Most importantly, be sure you maintain proper car insurance to meet your state’s requirements.