How do police officers know when you don't have insurance?

Is insurance connected to your license plate or driver's license? How do they know if you don't have it?

Answer provided by
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Emily Maracle
Answered on Jul 09, 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.
“While in some states car insurance companies are required to report when you’re uninsured to the DMV. Most police won’t know you’re uninsured unless they ask for proof of insurance.
When you are pulled over in a traffic stop or get into an accident, police officers will often ask for your proof of insurance. If you’re unable to produce it, you’ll likely:
  • get a ticket
  • face a possible fine
  • face a license suspension with the DMV
Although car insurance companies use your vehicle information for insurance, they don’t attach insurance to your license plate or driver’s license.
You’ll need to produce proof of insurance when asked for it. This would include an insurance ID card or a letter from your insurance company.”
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