Does police know if you have car insurance? In some states, officers do have instant access to a database updated and maintained by the Department of Motor Vehicles which allows authorities to run a license plates and find out whether the vehicle is insured.
This works by creating laws obligating companies to notify the DMV of the inception and cancellation of a policy insuring each registered vehicle. For example, if one were to purchase a policy, the insurer would electronically update the database indicating that the vehicle does have coverage which meets the state requirements. If the policy were to canceled for non payment or any reason, the insurer would then update the status to show cancelled.
If police were to find out one is driving an uninsured car, it may lead to hefty fines and possible registration suspension or even lead to an impound of the car. Each state has its own laws governing the amount of fines and penalties that come with violations of financial responsibility laws.
Some states do not give authorities instant access to policy status; however, there are always ways that policy can find out if you have car insurance by pulling you over and requesting proof of auto insurance. It is up to the officer to further inquire on the status of coverage by either contacting the phone number listed on the paperwork or even issuing the driver a citation and one would have to provide evidence to a judge by attending court.
Whether it’s instantly by searching a database or the old fashion way, through a routine traffic stop, chances are that the police will know if a vehicle is insured or not. Instead of taking chances and driving without protection as required by law, find an affordable insurer to not only abide with requirements, but also to protect yourself against financial losses.
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