Even though most people may not have a full understanding of the term auto insurance card, nor its overall purpose, it is important to note that it is a very essential part of driving any vehicle. This is especially true today because many states require auto insurance coverage and it is compulsory instead of voluntary. So, if you have had already purchased a car insurance policy for your vehicle, your insurance provider is also required to give you the proof that you need. This proof comes in the form of giving consumers an auto insurance card.
To date, these cards are used for a number of different purposes and reasons. Therefore, it is very important that you understand why you should carry your auto insurance card with you whenever you are behind the wheel. With that being said, here are a 3 common reasons why this card is so important to take with you.
Proof of Financial Responsibility
As previously stated, it is essential that you have your auto insurance card with you at all times. It does not matter if you are only a couple blocks from your home or in another state on vacation, this card is required in many different states anytime you decide to travel from one place to another. For instance, when you are traveling from one destination to another, you are required by law to have this card in specific states. This means if you are stopped for a speeding ticket, the officer who stops you may ask several questions before he or she allows you to proceed on. One of the most critical is to provide the officer with proof of financial responsibility. Giving the officer this proof entails presenting he or she with your auto insurance card. This card will not only tell the officer that you have the proper amount of car insurance but also when the insurance coverage begins and expires.
Used to Initiate a Claim After an Accident
Another reason or purpose for providing these types of cards to the person who holds the policy is the convenience of initiating a claim. This is because the name of the insurance company is indicated clearly on these cards along with the claims department number. Therefore, in the event that you are in an accident, you can make a call to the insurance agent right away with the latest information.
Used for Roadside Assistance
These cards are also great to have at hand when the driver experiences problems with their car. Since many insurance companies offer roadside assistance with their policies, these cards can be used to ask for roadside assistance. Many companies have a specific contact number that will allow the policyholder to contact this number for the assistance needed, and it is available for help 24 hours a day and 7 days a week.