How do I find someone's previous car insurance?

My grandma passed away two months ago. We are still working through all of her stuff and organizing her affairs. Recently, we got a letter from the DMV saying her vehicle was uninsured and they needed proof of insurance. Her vehicle was insured, but I'm assuming it lapsed since her passing. How can I find her previous car insurance information to show the DMV?

Answer
Sorry to hear about your grandma. Losing a loved one is hard, so getting her affairs in order isn’t an easy task.
Almost every state has a minimum insurance requirement, so insurance companies must submit insurance information to the DMV.
Since your grandma recently passed, her policy may have lapsed and her insurance company let the DMV know. Unless you have notified the DMV, they may be unaware of her passing.
In this situation, the best thing to do is look through your grandma’s documents and check her car. Most older people still prefer paper statements to electronic documents, so try to find an important paperwork file or check any unopened mail. Most car insurance companies send letters before a policy cancels.
You should also check her car. Since everyone has to carry proof of insurance, most keep their ID cards in their glove compartment. If it’s not there, look for other spots in her car where she may have stored things.
If you can’t find her information that way, contact the DMV. Let them know your grandmother has passed away and the vehicle no longer needs insurance. Hopefully, they can provide you with the name of her insurance company so you can get the proper documents from them.
As long as you can prove her insurance was active before her passing, you shouldn’t have to pay any additional fines or fees with the DMV.
If you decide in the future to reregister her vehicle and need insurance, consider using Jerry. Jerry is a car insurance comparison app that makes shopping for insurance fast. Jerry collects personalized quotes from top providers and sign-up only takes 45 seconds!
Emily Maracle
Answered on Oct 25, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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