A proof of insurance card given to you by your insurance carrier that shows you are insured is the most important document to have for your vehicle.
Emily Delbridge is an authority on car insurance and loans who contributed to The Balance for nine years. Delbridge is a licensed Personal Lines Insurance Agent who has been in the insurance business since 2005. Since joining the industry, she has significantly contributed to the book of business for independent agency, Great Michigan Insurance.
Anthony Battle is a CERTIFIED FINANCIAL PLANNER™ professional. He earned the Chartered Financial Consultant® designation for advanced financial planning, the Chartered Life Underwriter® designation for advanced insurance specialization, the Accredited Financial Counselor® for Financial Counseling and both the Retirement Income Certified Professional®, and Certified Retirement Counselor designations for advance retirement planning.
License, registration, and proof of insurance: these are three things that responsible drivers know they need to have on them (or rather, in their glove box) at all times when they’re on the road. What exactly constitutes proof of insurance?
Your proof of insurance documentation is that little card given to you by your insurance carrier that shows you indeed have insurance on your vehicle. It is sometimes referred to as an auto insurance card, a vehicle insurance card, or a binder. If you never file an insurance claim, the piece of paper is all you get for your money, other than peace of mind. It is a big "if" though; most people do not go a lifetime without ever filing a claim. Your auto insurance card will contain the following information:
Insured's name and address: If you’re not the insured, it won’t list your name. If you aren’t the one in charge of the policy, make sure you’re a covered driver and not an excluded driver.