What is an automobile insurance policy number?
Your auto insurance policy number may be more important than you think. Auto insurance companies will use your policy number to locate your account. Knowing where to find it is important because you might need it to access critical account information. You may also need to hand it over to your insurer, police, or other driver in the event of a car accident.
What is an automobile insurance policy number?
Each insurance policy has an identification number assigned to it when it is created. This identification is called the insurance policy number and will be attached to almost all documents related to your policy.
The insurance policy number serves as a unique identifier, differentiating each insurance policy from others. Another way to look at it is that every insurance policy has a number and no two numbers are the same.
You can find your policy number on your insurance card or on invoices and statements associated with your insurance account. Your account number will generally be between nine and 13 digits long.
Who needs their auto insurance policy number?
Anyone with an automobile insurance policy benefits from knowing their automobile insurance policy number. In many cases, you can search for your policy number if you forget it. However, suppose you just had a car accident. In this case, you may need to provide other drivers with your auto insurance information. This information includes your auto insurance policy number. You may also need to get the other driver’s policy number, just as you may need to provide your own.
Keeping proof of insurance in your vehicle can be a good idea. Proof of insurance can be an insurance ID card, insurance certificate form, or even your policy, although it can be multiple pages long. Each of these documents will include your insurance policy number. By keeping proof of insurance in your vehicle, you won’t have to panic looking for your policy number if you have an accident.
How to find your auto insurance policy number
In addition to describing your coverage options, the policy documents you receive when setting up your policy should also contain your auto policy number. Beyond that, insurance policy numbers are usually attached to all documents associated with that policy. Fortunately, this means that you can find it in a number of ways.
- Check your insurance card: Your proof of insurance card will include your policy number. The format of an auto insurance policy number is typically nine to 13 digits long and looks like this: “Policy No. [your 9-13 digit number here]”
- Browse your premium invoices: Premium statements often bear the policy number. Paper and digital statements usually have your policy number listed in a format similar to your insurance card.
- Look at your insurance statements page: When purchasing your policy, the insurance company must provide documents detailing your policy’s coverage options. These documents will often have the auto police number printed on them.
- Sign into your account: If you have an account online with your insurance company, you can probably find your policy number. Go to the company’s website and sign in to your account. Once you are logged in, you can see your policy number listed along with your account information.
- Contact your insurer: You can always contact your insurance agent during your carrier’s business hours. Let them know who you are and ask for your police number. They may require proof of identity, so be prepared just in case.
How to find someone else’s auto insurance policy number
There are a number of ways you can find someone else’s auto police number. If you are in an accident, the other driver will likely give you their insurance information. If they don’t give out their police number, you can file a police report or contact the Department of Motor Vehicles (DMV).
- File a police report: If you have a legal cause, such as being the victim of a hit and run, you can file a police report and ask to be notified whether the vehicle was insured or not. This is a valid reason because, in this case, the insurance of this vehicle can be held responsible for the damage caused to yours.
- Contact the DMV: If you have a valid reason for knowing whether a car is insured, but it’s not a police matter, sometimes you can get that information from the DMV. The DMV will want to know your reasons and will need as much information about the vehicle as you can provide. If you know the VIN (Vehicle Identification Number) of the car, the process can go much easier.
What to do if you’ve lost your policy number
It is important to know your policy number so that you can communicate it to insureds, your insurance company or another driver when necessary. If you lose your policy number, you can contact your insurer to get it back. Your policy number is permanently attached to your automobile insurance policy. As long as your coverage remains active, your insurance company will be able to find it for you.
Frequently Asked Questions
What is the best auto insurance company?
The best auto insurance company will be different for each person based on their needs and characteristics. To find the best provider for you, it can be helpful to compare car insurance quotes from several companies to see which one would be the cheapest. You may also want to speak with a licensed insurance agent who can advise you on companies that might meet your policy needs.
Where should I keep my automobile insurance policy number?
State laws often require proof of insurance to be kept in your vehicle. Your proof of auto insurance should have your policy number printed on it. If you lose it, you can request a new copy from your insurer. In all states except New Mexico, drivers are explicitly permitted to carry their proof of insurance electronically on a smartphone, in accordance with state law. Even so, you might want to have a hard copy backup in case your phone dies while you’re on the road.
What happens if I give someone my policy number?
If you are in an accident with another driver, that driver may need your auto police number. You may also need to give your police number to the police. If you have other drivers on your auto insurance, they should also have access to the number in case they are involved in an incident. Sharing your policy number with someone else means that they may be able to find your policy information. However, even with access to your policy number, they will not be able to change it without your permission.