Keeping Current Proof of vehicle insurance
It is often necessary to keep one’s proof of coverage within the insured vehicle, something that is also commonly required by law. Having this information up to date and accurate is important in order to avoid any potential complications. If a motorist’s documentation is not accurate then there is a chance that the vehicle could be listed as uninsured if a motorist is pulled over, which may result in the previously listed consequences. When an insurer provides a client with the necessary coverage verification, policy holders should take the time to ensure that all of the information that is listed is correct. Such documentation usually includes the name of the insurer, policy number, effective and expiration dates, names of those who are insured, the current year, make and model of the vehicle, and the Vehicle Identification Number (VIN).
In order to improve accuracy and decrease the likelihood of mistakes, some states require coverage providers to communicate directly with the state department of motor vehicles in order to keep such information up to date. For example, among the Motor Vehicle Liability Insurance Coverage Owner(s)’ Responsibilities in Georgia, a resident’s insurer is required by law to submit all coverage information to the state department’s GEICS insurance database. This database, and similar programs in other states, are designed to ensure that a motorist’s vehicle identification number matches the state’s records, allowing the DMV to know whether or not a vehicle is insured and when such coverage is changed or canceled. Although such programs exist, vehicle owners are still encouraged to check for themselves whether all of their information is correctly listed in order to avoid any future complications.