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How do employers verify my car insurance?

Is there any way for employers to verify your car insurance? My boss asked me if I have liability insurance for when I'm driving at work. I do, but I'm wondering why she asked me and didn't just look it up online—so is there a way for employers to confirm that you have car insurance?

avatar
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Good question! Your boss likely asked you directly because the easiest way for employers to verify someone’s car insurance is to ask them for proof of insurance. The only other way for employers to gather employee insurance information would be through the police, the DMV, or the state department—all of which have the right to deny requests for information.
While insurance information is fairly well protected, you should be open and honest with your employer about your insurance status. Almost every state requires drives to have a
minimum amount of coverage
and it’s illegal to drive without meeting those requirements.
Plus, the biggest reason your employer cares about your insurance status is their liability. If you get in an accident while driving for your company, then your company may be liable for your actions. To mitigate this, your employer may be able to add you to their commercial auto insurance plan or business liability policy; it might be worth asking them.
If you ever want to increase your level of coverage, check out the
Jerry
app to find the best deal for you. We’ll help you gather and compare personalized quotes from top name-brand insurance companies in minutes. Once you’ve settled on a provider, Jerry will help you switch from start to finish, so that you can stay focused on driving!
Hope this settles your curiosity!
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