Rancho Cucamonga, Calif. (WiredPRNews.com) Practically all states require drivers to secure car insurance before pulling out onto the road. Having this provision in place ensures that drivers involved in accidents caused by other drivers may not have to pay out-of-pocket for the expenses that result from accident-related damages. However, motorists hitting American roadways should not be under the impression that the legal obligations end upon obtaining coverage.
This is because drivers also need to carry proof of insurance when out on the roadways and, often, when handling car-related administrative matters. That means motorists should carry an official, tangible document that is legally recognized to prove that a policy is in place. Without such a document, a driver can be subject to a range of fines even if a policy is in fact in place at the time.
Motorists should expect to be asked for this documentation in three common situations: when at the scene of an accident, when being pulled over by law enforcement officers and when registering an automobile with the state. In addition, drivers who financed or leased a vehicle may have to prove coverage to the leasing or financing company.
Not carrying documentation of insurance may result in a fine, but providing false documentation is an action that is dealt with much more severely. Even in Virginia, where insurance is not required, the penalty is stiff. Offenders in that state will end up having driving and registration privileges suspended, be required to pay $585 in fines and must prove that coverage is in place for the next three years.
Consumers wishing to learn more about how to obtain proof of auto insurance coverage can go to http://www.onlineautoinsurance.com/proof, where visitors will also be able to get free and quick quote comparisons showing personalized premium estimates from a number of reliable carriers.