Can the police determine whether you have car insurance?
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?
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.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
Are there car loans specifically for college students with a 650 credit score?
"I'm a college student, and I have a 2005 Dodge Neon SXT that I can trade in. My monthly income is $1,500, and my credit score is about 650. Are there car loans for college students?"
May 26, 2021
Are CUDL car loans a good option?
I've only just learned about CUDL loans for auto financing. Are they worth checking out?
Mar 08, 2021
If my 2010 Toyota RAV4's engine runs well, should I sell the car to buy a new one?
"I want to get a new car, but my 2010 Toyota RAV4 is still reliable. The car I want costs $28,000. I make $60,000, and, because I live at home, my monthly expenses are only $500. Should I sell my car and buy a new one?"
Jun 07, 2021