Most individuals are conscious that they’re legally
required to hold their license, registration, and proof of insurance coverage
whereas driving. However on the subject of auto insurance coverage playing cards, many individuals have
questions, like why do I have to have an insurance coverage card? What info is
saved on an insurance coverage card? How usually do I have to replace my insurance coverage card?
Can I carry my insurance coverage card electronically?
We’ve bought the solutions to your questions right here!
Proceed studying under to study auto insurance coverage playing cards and why they’re
I Have to Have an Insurance coverage Card?
Insurance coverage playing cards, also called insurance coverage ID
playing cards, act as proof of insurance coverage. While you register a automobile in New York
State, the Division
of Motor Automobiles requires a duplicate of your insurance coverage card as proof of
insurance coverage protection, in addition to digital affirmation from the insurer, in
order to finish the registration. When registering a automobile, drivers should
present the DMV with proof of insurance coverage inside 180 days of the
protection’s efficient date.
Moreover, the identify on the insurance coverage card
and registration should match.
New York State legislation requires motorists to have
Private Damage Safety, Bodily Damage Legal responsibility, Property Injury Legal responsibility,
and Statutory Uninsured Motorist coverages to register a automobile.
In case your automobile’s registration is suspended as
a results of lapsed insurance coverage, you will want to resume your coverage and supply a
new insurance coverage card to be able to have your automobile registered once more.
Moreover, drivers are required to hold
proof of insurance coverage whereas on the street to be able to
current it to legislation enforcement within the occasion of an accident or site visitors cease.
Info Is Saved on an Insurance coverage Card?
Your insurance coverage card incorporates completely different
figuring out info pertaining to you, your automobile, and your insurance coverage coverage, together with:
Your identify and tackle
Protection efficient and expiration
Your automobile’s yr, make, mannequin,
and Car Identification Quantity (VIN)
Your insurer or your agent’s identify
A 3-digit code figuring out your
Typically Do I Have to Replace My Insurance coverage Card?
Most insurance coverage firms supply auto insurance coverage in 6-month insurance policies, with some
providing 12-month insurance policies. Your insurer will ship you two copies of your
insurance coverage card upon the coverage being issued. It’s a good suggestion to maintain one copy
in your automobile, and one copy readily available for cases during which you should present
proof of insurance coverage, like when registering a automobile on the DMV.
While you pay your premium and renew your auto
insurance coverage, you’ll obtain two up to date insurance coverage playing cards within the mail. While you
obtain new insurance coverage playing cards, ensure you substitute the previous ones in your automobile
in order that if it is advisable current proof of insurance coverage, you will have the best copy
Ensure you are conscious of when your auto
insurance coverage coverage expires to make sure your insurance coverage is up
so far and to keep away from any lapses.
Carry My Insurance coverage Card Electronically?
In 2015, New York State modified a regulation
to be able to enable motorists to supply proof of insurance coverage electronically. This
means you possibly can retailer and carry your insurance coverage card in your smartphone, which
allows you to make sure you have the latest model accessible in a
NYCM Insurance coverage unveiled its latest cellular app
which permits policyholders to retailer their insurance coverage ID playing cards multi function place
on their smartphone. The app allows policyholders to have a fast view of
their insurance coverage ID playing cards, in addition to PDF variations, which show your insurance coverage
playing cards precisely as they seem in paper format.
By carrying your insurance coverage card
electronically, you possibly can make certain that you’re all the time capable of present proof of
your protection as long as you will have your gadget and an insurance coverage coverage. You possibly can
additionally fear much less about your insurance coverage card being misplaced or stolen and really feel good
about going paperless and eco-friendly!
In case you have a coverage with NYCM Insurance coverage,
don’t neglect to obtain the cellular app the place your entire insurance coverage ID playing cards
are conveniently accessible in a single place.
Click on under to debate your choices for auto
insurance coverage with an agent in the present day!
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