How Do Police Knows If A Car Is Insured

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Many people wonder how do police knows if a car is insured. There are several different ways that an officer of the law can tell if you're insured when they pull you over.

First of all, when you choose vehicle insurance, the insurance company is going to send you a package of all the rules and regulations that are incorporated into the insurance policy. Along with the policy information is going to come insurance cards.

These insurance cards are small paper cards that explain what vehicle is insured, who the registered owner of the vehicle is, who owns the vehicle, and what type of insurance is on the vehicle. Usually a 3 x 5 card or possibly a bit smaller, the card must be in the vehicle at all times it's on the road.

When you are pulled over by a police officer for an infraction, the normal procedure is for the police officer to ask you for your registration and proof of insurance. You will hand them your registration slip proving that the vehicle is registered to run on state, local and interstate roads and you will also hand them your insurance card.

This insurance card along with the previous mentioned information is also going to have the day you purchase the policy, and when it expires. Most insurance cards are good for six months, and this is assuming that you're going to pay your insurance premiums.

If you do not have proof of insurance with you, but you do have insurance on your vehicle, you can go to court after the fact and show them your proof of insurance, and often the ticket will be dropped. It's much smarter to avoid that situation, carry an insurance card in every vehicle. You can print them out at home on your own printer if you need extra cards.

California is a special state as it has the insurance agencies and the Department of motor vehicles linked together. When an officer in California pulls you over, they can check your license plate and tell through the Department of Motor Vehicles database whether you have paid your premiums for your insurance.

While there are several different ways the police can know if you're insured or not, the most common form is your insurance card. This proof of insurance should be in the vehicle at all times and not in your wallet in case you're not the one driving the vehicle.

About the Author:
Have you ever wondered how the police knows if a car is insured? Visit OnlineAutoInsurance.com at http://car-insurance.onlineautoinsurance.com/car-insurance/do-police-know-if-you-have-car-insurance/to find the answer and many other auto insurance related answers.



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