Can the police determine whether you have car insurance?

Answered by Home Insurance, Car Insurance Expert Shannon on December 23, 2020

If you get pulled over, will police be able to know whether or not you have auto insurance before they ask you for documentation? Can they get that info by running your registration details through their database?

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Shannon

Home Insurance, Car Insurance Expert

In many states, insurance companies notify the DMV electronically when you start and stop your coverage. If you live in one of these states, then the answer to your question is yes! Once the police officer runs your plates, they’ll see if you have an active policy.

However, mistakes can still happen and electronic reporting isn’t available in every state. It’s always a good idea to keep a copy of your paper or electronic insurance identification cards in the car to show as proof of coverage.

If you’d like to learn more about how police identify uninsured drivers, check out this article: How Police Catch Uninsured Drivers.


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