Knowing if you own a car insurance policy is essential, even if you don’t need to file a claim. It is one of the state obligations to get car insurance and can result in extreme situations such as lawsuits if you do not.
One may never know when an accident may occur. Even if it is your mistake or not, having no fault car insurance states Florida is one of the safest options for an individual. Most states with obligatory insurance policy require a statement of your current insurance to renew license plate and registration.
To know how to determine whether your car is insured, here is what you need to do.
1. Review your bank statement
When taking over the finances of the family, it is essential to find all the important papers which determine the total expenses of the household. This also includes insurance for life and vehicles. If you are unable to find the car insurance information, you can review their bank statement, which can determine the insurance value as well as the insurance carriers. It is easier to find if they pay monthly, but if they pay half-yearly or yearly payments, then you may want to go back up to a year of statement.
2. Look in your car
Search your car to determine the insurance information. The visor and the centre console are the most commonplace to store insurance information. You may find a document or a current proof of the insurance card, which is the fastest way to know if you have insurance. Not just that, it can also give you the carriers name from where you can request a detailed overview of your insurance policy.
3. Get a new insurance quote
Getting an insurance quote can assist you in determining if you have car insurance. The companies and insurance providers usually have a report that can tell them who your current provider is. Not just that, they can also determine if your policy has lapsed. However, their report is not always accurate, so you must make sure they are right.
If this is the case, you can tell the new agent about your situation. Let them know that you may have an insurance policy, but you need verification. Once your agent tells you about your insurance carrier, you can request the details of the declaration and proof for insurance. Get the coverage information, so you know the policy, and get the declaration page, so you have it for future references.
4. Call common carriers
Many car owners get insurance through popular insurance companies as they are trusted companies. To find out if you have insurance, you can contact common carriers and ask whether you have a policy in place. In case you have a homeowners or renter’s insurance policy, contact the company for the car insurance as well. Remember that purchasing multiple policies from the same carrier can lead to offers and discounts to lower your insurance price.
5. Check in with the secretary of state office
Secretary of the state offices can track if you have car insurance coverage. You can simply call in or go to your local secretary of state office and inquire if you have car insurance. It can save you from a hassle of a pile of paperwork trying to find car insurance.
There is no need of being embarrassed if you don’t have car insurance. New drivers who just happened to get their license may not be knowledgeable about the necessity of getting the vehicle insured. So if you are one of them, make sure to research the policies and get your quotes accordingly.