What Do You Need To Know About Your Policy Documents
When you sign up for insurance you receive a few different documents that either explain to you your duties or detail the coverage options youve selected. The is the most important document because it has all of your personal rating information and detailed breakdowns of the premiums that youre paying. The next important document is the auto insurance ID card. This is what youre required to keep in your car with you in case of an accident or a citation.
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Early Impact Of Alpr Systems
Historically, the percentage of uninsured drivers has been difficult to reduce. Roughly 13% of drivers are uninsured, according to the Insurance Research Council, only a modest improvement over the last two decades . Even with ALPR systems, that figure may not dip drastically anytime soon. Its a gradual change, but I expect it to get down to 9% or 10% eventually, Hageli says.
While the impact may be slow at the national level, some states are seeing more dramatic effects. This is particularly evident in places where uninsured driving rates are highest. Texas, one of the first states to introduce an ALPR system, called TexasSure, has seen its uninsured driving rate drop from 22% in 2009 to 11% in 2015.
And in Michigan, where over 20% of motorists lack coverage, ALPR technology has proved a major boon to police in cracking down on this issue. Officers handed out nearly 15% more citations for uninsured driving between September 2014 and March 2015 than during that same time span the year prior.
Your Insurance Is Still Legal Even If It Doesn’t Show Up On The Mid
Because the Motor Insurance Database isn’t updated very often, sometimes it can take a little while for your details to show The police’s Automatic Number Plate Recognition database can also sometimes be slow to update. Sometimes new policies are only added once per week .
If you’re buying short-term car insurance, there’s a chance your policy won’t be added to the MID in time.
Because of this, we send your policy details to the MID as quickly as we can. But the MID can be slow to update, whoever you buy your insurance with.
Some of our customers have been pulled over by the police because of this – but dont worry, as long as you are insured you have nothing to worry about
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What Car Insurance Cover Do I Need
Since continuous insurance enforcement came into force in the UK in 2011, all cars must have a minimum of third party only insurance cover to be road-legal. This will cover you for injury or damage caused to others but wont cover you for damage to your own vehicle.
You will still need insurance even if your vehicle is not being used, unless you declare it off-road with a Statutory Off-Road Notification . If you dont have insurance or a SORN, youre risking a fine and prosecution.
Note that you wont be able to drive your car on public roads, including car parks, if you have declared it off-road, and youll need to keep it parked in a garage, on a driveway or on private property.
How Do I Make A Car Insurance Claim
To help you make a successful claim, follow our car insurance checklist:
Unless youre certain you were at fault, dont admit liability at the scene of an accident
Make sure to exchange personal details with the other driver, including your name and address, phone number, car registration number, the make and model of the car and your insurance details
Note the time, date and location of the accident and make a drawing of the accident if possible and include any photos you may have taken at the scene
Complete all details on the claim form and provide extra details if required
Provide the contact details of any witnesses to the accident
Get a crime number from the police if the car insurance claim is as a result of a theft or vandalism, or you believe the accidentwas unlawful – such as suspected speeding or drunk driving or if the other driver is not insured
Once youve contacted your insurer you’ll usually be sent a form to complete try to give your insurer as much information as possible and provide all relevant documents when making a car insurance claim.
Notify your insurer even if its only a minor accident failure to do this could invalidate your car insurance.
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Why Is It Important That Police Can Tell If You Have Insurance By Running Your Plates
It is important that police can tell if you have insurance by running your plates because it motivates drivers to purchase and maintain the auto insurance that is required under Michigan law and, thus, avoid the severe criminal and financial penalties that Michigan imposes for driving without auto insurance.
Those penalties could include: being found guilty of a misdemeanor a fine between $200 and $500 a year in jail suspension of your drivers license inability to renew your vehicle registration being disqualified from suing for pain and suffering compensation and/or No-Fault benefits if you are injured in a crash and being held financially liable for the medical bills and lost wages of anyone else injured in a crash that you are involved in even if you were 100% not at-fault for the auto accident.
What Does Insurance Cover If Your Car Is Stolen
If you have the right insurance in place, it will cover an automobile that has been involved with theft.
Protection against auto theft is not included in basic policies. If you have basic policy limits, you may not have it included. It is available in optional packages such as comprehensive insurance.
This type of endorsement will help :
- Replace a stolen vehicle
- Replace parts that are stolen or damaged
- Repair damages to your automobile from theft or a break-in
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What If Im Hit By An Uninsured Driver
If youre involved in a car accident youd usually swap car insurance details with the other party involved. However, if the other driver is uninsured or refuses to give you their details you should report them to the police.
You can check whether another vehicle is insured by going to the askMID website.
You may also be able to claim compensation from the Motor Insurers Bureau, which protects anyone whos been injured or had their property damaged by an uninsured driver.
Find out more about what happens when you’re hit by an unisured driver.
Want to protect yourself against any losses after an accident? Get legal expenses insurance for just £15 a year with RAC Legal Care Plus.
Can A Cop Tell If You Have Insurance By Running Plates
We want to get straight into this article by telling you a big, fat YES! Cops can definitely tell if you have insurance by running your plates. The technology that they have requires little more than a number plate.
After running this, all of the car owner registration details will be available to them as well as information about the car including, of course, insurance details.
Police can now use their in-car computers to search on the law enforcement databases that they have access to and gain all kinds of information about our cars, and ultimately, us. Around 10 states in total have automatic license plate recognition that can check if your car is insured automatically if you ever get pulled over. Other states need officials to manually input your information into their search databases or to check your documents. It does, of course, vary depending on your state. Some states have an uninsured drivers database in which insurance companies can track who is and is not insured.
The police do not have immediate access to these databases, though, and must call up the company first to ask them to check it. As well as this, some states have a policy that the DMV must tell the authorities when someone cancels their insurance policy.
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Can I Check If My Car Is Taxed And Has An Mot
Even if you take the steps to check if your car is insured, you should also make sure you have road tax and a valid MOT.
You can check if a car is taxed and has a valid MOT certificate by using the governments free car check service. You can find out if a vehicle is currently taxed or registered as off-road just by entering the registration number.
Aside from telling you whether the car has been taxed, and when the tax expires, youll also find out when the next MOT test is due. It also gives the vehicle make and when it was first registered.
Why Hit And Run Accidents Happen
According to the MIB, 12% of UK road traffic accidents reported to police involve a hit and run driver â around 17,000 incidents in total per year. A half of these was traced through pedestrians and other drivers who had witnessed the accident. It’s a serious offence, if caught the person responsible can be punished with:
- Up to 10 penalty points.
- Disqualification from driving.
- An unlimited fine.
Further research from the MIB shows that 45% of hit and run drivers wouldn’t have left the scene if they had known that it was an offence. The most common reasons younger drivers leave an accident scene is because they’re not insured, had been drinking, panicked or feared the consequences.
Drivers aged 34 or older are more likely to leave an accident scene if they didn’t think the accident was serious enough to report.
Make sure you’re covered for any eventuality with our comprehensive car insurance. Our uninsured driver promise means you keep your no claims discount and don’t pay an excess as long as the other driver is identified. If your vehicle is written off, we’ll also give you a courtesy car as standard.
We also offer Excess Protection that allows you to claim back your excess on an insurance claim, whether you’re at fault or if the other driver can’t be traced. You can add it our comprehensive, or third party, fire and theft car insurance.
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What Do You Do If Your Car Is Stolen
Once you are positive your vehicle has been stolen, contact the police immediately to file a police report and follow their instructions. Call your insurer to inform them about the situation. Contacting them also protects you if your automobile is used to cause harm or commit a crime.
Here are the three key steps to take if your vehicle has been stolen :
How Do I Find The Right Insurance
Price comparison websites make buying car insurance simple, allowing you to see a wide range of car insurance quotes all at once. It’s important to look closely at each policy though, and not just be taken in by the cheapest quote. Our handy guide on using comparison sites has more advice.
You can also get your insurance from brokers, like the AA, who compare insurance prices from a panel of insurers to find the best policy for your circumstances. If you do get your insurance with us, we promise to find the best deal when it’s time to renew your car insurance too, taking out the hassle of looking all over again.
So insurance is a necessity, but finding the right policy doesn’t have to be a daunting task.
If you’re one of the surprisingly large number of people who have concerns or questions about their car insurance, don’t panic, we can help. If you’re currently an uninsured driver or you’re just checking you have the cheapest car insurance quote available, take a look at our car insurance options.
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Its All About You We Want To Help You Make The Right Coverage Choices
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships dont influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Insurance is electronically verified through the DMV in most states
- When a lapse of insurance is reported by the carrier, the DMV can suspend license plates
- Officers can see if you have valid insurance before or during a traffic stop
Insurance is something that all drivers should have before they even get behind the wheel. Not only is it required by law, but its the first thing that law enforcement asks for proof of when youre stopped for a moving violation.
You can really start your encounter with a police officer off on a bad foot if you dont have insurance.
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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc…
Written byLeslie Kasperowicz Farmers CSR for 4 Years
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his familys insurance agency, FCI Agency, for 15 years . He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. Hes also been featured on sites like Reviews.com and Safeco.He reviews content, ensuring that ex…
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Do I Still Need Insurance If I Am Test Driving A Car
Yes, you still need insurance if youre test driving a car. You can take out a temporary car insurance policy for test drives.
If youre buying a car from a dealership, they may well have insurance in place to cover you for this, but you should check. If youre buying or selling a car privately you will need to make sure that insurance cover is in place, even if it is only for a short trip. These policies can be taken out for as little as an hour.
If you need to borrow or share a car for a short trip, you can purchase Temporary Car Insurance to cover you for an hour or up to 30 days. The cover is fully flexible, so if you buy an hour you can top it up online if you need more.
There are monthly subscription and pay as you go car insurance options. Our Pay by Mile car insurance is purchased on a monthly rolling subscription that you can cancel at anytime for no charge. You pay a monthly parked premium and then only for the miles you drive as you do them.
What Happens If My Car Is Stolen And It’s Still Being Financed
Until your car loan is paid in full, you are still obligated to make payments, even if it is not recovered. Your payout can be directly applied to help pay off your car loan. If there is still a balance owing after youve paid the claim amount to your finance company, you will be responsible for paying the difference out of your pocket, unless you have gap insurance.
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Were You Injured In An Automobile Crash Call For A Free Consultation With An Experienced Michigan Auto Law Auto Accident Attorney
We can help if you or a loved one has been injured in an automobile crash. You can call us toll free anytime 24/7 at 777-0028 for a free consultation with one of our experienced auto accident attorneys. You can also get help from an experienced car crash attorney by visiting our contact page or you can use the chat feature on our website. We will answer your questions and if you ask for our help with your case, we will protect you and your family and fight to ensure that you receive the compensation and benefits the law says you are entitled to.