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In order to register your vehicle, you will typically need to bring the vehicle's title, a bill of sale and proof of tax payment, your driver's license, and either your insurance ID card or another form that provides 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 insurance identification card or a binder. Vehicle year and make car insurance covers the car, not the driver.
Some insurers display an electronic copy of your auto ID card within their mobile app. Other companies allow customers to download a digital version of their auto ID cards from their website. Customers can then show law enforcement officers proof of insurance on any digital device, including a cellphone or tablet.
Proof of insurance is the documentation that shows you're covered by an auto liability policy that meets your state's minimum requirements. Your proof may be the little card your insurance company sends you, or a printout, or a screen you show on your phone.
Secretary of State (DMV, Department of Motor Vehicles): You will need to provide your proof of insurance to the Secretary of State1 every time you renew your license plate. Police Officer: Have your proof of insurance ready in case you get pulled over.
Every major auto insurer now allows customers to display their ID cards using a mobile app. As recently as 2011, no states allowed electronic proof of insurance. Today, 48 states allow drivers to show proof of insurance on their phones, according to the Property Casualty Insurers Association of America.
The states that allow electronic proof of insurance coverage are: Alaska, Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, North Dakota, Oregon, Tennessee, Texas, Utah, Virginia, Washington and Wyoming.
They can use your license plate number and look up to see if your auto insurance company has submitted information showing that your car insurance was canceled as of a certain date. In most states an insurance company has to notify the DMV if a person's insurance policy is canceled, lapsed or is not valid.
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