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How do employers verify your 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.
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Because the U.S. doesn’t have a centralized system to verify insurance information, the easiest way for employers to verify someone’s car insurance is to ask them for
proof of insurance
.There are several ways that employers can gather employee insurance information:
- The police
- The DMV
- The state department
However, all of these have the right to deny requests for information, so it’s easier for your employer to just ask you directly. You can show your insurance ID card to prove that you have coverage.
Here’s why your employer cares about your auto coverage:
- Almost every state requires drivers to have aminimum amount of coverage, meaning it’s illegal to drive without meeting those requirements.
- If you get in an accident while driving for your company, then your company could be liable for your actions. If you ask, your employer may be able to add you to their commercial auto insurance plan or business liability policy.
MORE: 10 ways to get cheap car insurance that’s actually good
View full answer
- Gregory R.
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