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AFFORDABLE CAR INSURANCE RATES IN MINUTES
QUICK & EASY AUTO INSURANCE QUOTE
Quick Facts about Auto Insurance
Long story short, car accidents can happen and it always seems as though they occur at the most inconvenient of times; which is why having a good low-cost insurance company to take care of you is so important. An auto insurance policy is there to help cover the cost of the repairs to your vehicle and medical expenses in the event of an accident; helping you get your life back to normal as fast as possible while also doing our best to alleviate the stress often associated with an auto accident.
A-MAX Auto Insurance offers affordable auto insurance with a package of primary coverages, which together makes up an auto insurance policy. In addition to car insurance, we also offer motorcycle insurance, homeowners and renters insurance, and insurance for other vehicles like trailers and RVs, and Mexico tourist insurance.
Understanding Auto Insurance Coverage
Put simply, the various types of automobile insurance coverage can be confusing; which is why we have broken them down to help make it easier to understand.
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What Information Does My Proof of Insurance Provide?
The proof of insurance on your car that you receive from your insurer will show:
● Your insurance company and its NAIC (National Association of Insurance Commissioners) number
● Your policy number
● The effective and expiration dates of your auto insurance policy
● Your vehicle's year, make, model, and vehicle identification number
● Your full name and address or the full name and address of the owner of the vehicle you are driving
What if I Cannot Show Proof of Insurance?
If you go to your state's Department of Motor Vehicles to register a car and cannot show proof of insurance, you must obtain auto insurance and an insurance identification card before you can return to the Department of Motor Vehicles to obtain your vehicle registration.
If a police officer pulls you over and you cannot show proof of insurance, you could be fined up to $1,000, have your car impounded for up to 180 days, and have your driver's license suspended for up to two years.
If a police officer in your state has pulled you over and you cannot produce proof of insurance for a second or subsequent time, you may be required to file a financial Responsibility Insurance Certificate called an SR-22 with your state's Department of Motor Vehicles. An SR-22 is something you can obtain from your insurance company by paying a fee separate from your car insurance premium. The form shows that you have the minimum liability insurance required by state law. Your insurance company will directly notify the Department of Motor Vehicles if your SR-22 is canceled or lapsed.
What Happens if I Get into an Accident and Can't Show Proof of Insurance?
Depending on your state, if you get into a motor vehicle accident and cannot prove that you have auto insurance, you could face a fine of up to $4,000, suspension of your driver's license and vehicle registration, impoundment of your car, and possible jail time. You will also be required to produce an SR-22 once you can legally drive again. In addition, you will be fully liable for the injuries to others and damage to vehicles involved in the collision because you did not carry auto insurance to protect yourself or the others involved in the accident.
FAQs about Proof of Insurance
Q: Do I need to show proof of insurance in my state?
A: To register a vehicle or obtain a driver's license in most states, you must show proof of insurance. You will also need to show proof of insurance if you are pulled over by a police officer or involved in an accident.
Q: What information should I look for on my proof of insurance?
A: Your proof of insurance will show your insurance company's name and NAIC code, your policy number, the start and end dates of your policy, your vehicle's year, make, model, and vehicle identification number, and your name and address or the name and address of the person who owns the vehicle you are driving.
Q: Can I show proof of insurance on my phone?
A: 49 states currently allow you to show proof of insurance on your phone if you can pull up the insurance card for your vehicle on your insurance company's mobile app. New Mexico currently does not recognize electronic proof of insurance. To be safe, it is a good idea to have a paper copy of your insurance card in your vehicle at all times no matter in which state you live.
Q: What if I cannot prove that I have insurance on my car?
A: If you can't show proof of insurance on your car, you could face fines, impoundment of your vehicle, suspension of your vehicle registration and/or your driver's license, and possibly time in jail.