smartypants71
Drama Llama
Posts: 5,710
Location: Houston, TX
Jun 25, 2014 22:47:49 GMT
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Post by smartypants71 on Jul 18, 2016 17:33:02 GMT
Neither. Mine is on my phone.
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Post by deekaye on Jul 18, 2016 17:33:42 GMT
I always keep it in the car. I thought it was the CAR that was insured, not the driver. Ie., if I drive my mom's car and get in an accident, it's her insurance that comes in to play, not mine. Am I wrong? Update: Okay, I just ran this past DH, retired State Trooper and he says it's the vehicle that's insured, not the driver, so that's why we keep our respective cards in each vehicle, not on our person. At least that's the way in Washington State.
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Deleted
Posts: 0
May 19, 2024 5:56:17 GMT
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Post by Deleted on Jul 18, 2016 17:34:46 GMT
I've always carried my card in my wallet, because it proves that I am insured for any car I drive. But today my ds got his drivers license (YAY!) and the lady at the DPS told me it should be kept in the car. But then if I drive my mom's car or a friend's car, I don't have proof of insurance on me. I'm in Texas, if that makes any difference. So, where do you keep your insurance card? And a little vent: we have Travelers insurance. We have three vehicles. I have three insurance cards - one for each vehicle. Every other insurance company I've ever had has given us ONE card per person, with all vehicles listed. So annoying that they don't all do it the same way. I keep mine in my car. The car is insured, not "me". It doesn't matter who is driving my car if an accident happens, my car is covered. Your insurance may have a clause for secondary protection if you get in a wreck driving someone's car that has insufficient coverage.. but the primary coverage will be their insurance first and not your's. There really is no reason for you to carry the card in your wallet. You can provide that information after the primary insurance has been notified if the car's owner ends up owing or you get sued. Save
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Post by cindyupnorth on Jul 18, 2016 17:36:46 GMT
always in the glove box of the car... I thought the insurance always went with the car you were in, not the specific person driving the car. Yep, the CAR is insured, NOT you. If you had an accident with someone's car, YOUR insurance would not cover that car, as you don't pay for it, for THAT car. Someone else does. So it should be in the car.
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Post by originalvanillabean on Jul 18, 2016 17:38:55 GMT
In the glove box of each vehicle.
A pdf saved on home computer, in case we need to print another one out.
Also, we can pull up our coverage on our phone.
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Deleted
Posts: 0
May 19, 2024 5:56:17 GMT
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Post by Deleted on Jul 18, 2016 17:38:58 GMT
If you look at your card is lists the car's information predominantly. How does that help you in a different car? I have car insurance but I can't take my son's truck in for new tags because I can't prove the truck is insured by my insurance card. They want the card with the truck information.
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Post by kellybelly77 on Jul 18, 2016 17:39:19 GMT
I have always kept them in the car. And I used to work at the Kansas Insurance Dept here in Kansas, which regulates the insurance industry. We actually made little plastic pockets to give out to Ks consumers that are made for your insurance card to keep handy in your glove box. We passed out gazillions of them at events.
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Jili
Pearl Clutcher
SLPea
Posts: 4,363
Jun 26, 2014 1:26:48 GMT
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Post by Jili on Jul 18, 2016 17:40:10 GMT
Ours are kept in our cars.
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Post by **GypsyGirl** on Jul 18, 2016 17:42:19 GMT
In the glove box of the car. The insurance is for that car and needs to be with it. If I'm driving a friend's car, then their insurance will cover that car, not mine. I do keep my AAA card in my wallet because that follows me no matter what vehicle I'm in for tows and road side assistance. We have State Farm and both cars are listed on the paper. They always send 4 copies, no matter if we've had 1 car or 3. One goes in each car and the others stay in the file. ETA: Years ago I was driving my mother's car and got pulled over. I was in Indiana, driving a car with Kentucky plates and handed him a California driver's license with a PO box address. He wanted a physical address, which was in West Africa. Told him it was my mother's car and he asked for the insurance card so he could verify that. If that hadn't been there, he'd have probably hauled me in! I consider myself lucky to have gotten off with just a ticket!
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Post by Katie on Jul 18, 2016 17:45:57 GMT
They always send me 2 cards, so I keep one in my wallet, and one in the glove box of the car. If you only have one card, it needs to stay in the vehicle.
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gsquaredmom
Pearl Clutcher
Posts: 4,078
Jun 26, 2014 17:43:22 GMT
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Post by gsquaredmom on Jul 18, 2016 17:46:52 GMT
Both. We get two sets.
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Post by littlemama on Jul 18, 2016 18:06:04 GMT
In my wallet, which probably dates back to when the home address was on the insurance cert. I wouldn't leave my home address in my car. Our insurance (AAA) gives 2 certs for each car - DH carries his and mine, DS carries his only, and I have all 3. If DS drives one of our cars, I give him the cert from my wallet.
And I know it is the car that is insured not the driver so that is not why I carry it with me.
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Post by gailoh on Jul 18, 2016 18:10:27 GMT
Both...my insurance sends out 2 one for car and one to carry
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Post by deshacrafts on Jul 18, 2016 18:14:18 GMT
In the car. It covers the car, so should be with it. If you drive someone else's car, you are covered under their policy (in most circumstances) and if you are in an accident/are pulled over in that car, that is the insurance that should be shown as primary. This is my understanding, and we always keep them in the car with the registration. Save
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Deleted
Posts: 0
May 19, 2024 5:56:17 GMT
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Post by Deleted on Jul 18, 2016 18:22:49 GMT
In my wallet, which probably dates back to when the home address was on the insurance cert. I wouldn't leave my home address in my car. Our insurance (AAA) gives 2 certs for each car - DH carries his and mine, DS carries his only, and I have all 3. If DS drives one of our cars, I give him the cert from my wallet.
And I know it is the car that is insured not the driver so that is not why I carry it with me. Doesn't your vehicle registration have your home address on it? Do you not leave that in the car either?
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Post by AN on Jul 18, 2016 18:31:50 GMT
Both. I like everything together in my glovebox (registration/insurance), but I also travel and rent cars pretty frequently so I want it on my person as well. Never been pulled over in a rental, and maybe just the rental documents would suffice. Since I decline their additional coverage though, why risk it for a slip of paper that isn't impacting the size of my wallet?
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Post by myshelly on Jul 18, 2016 18:35:03 GMT
In my wallet, which probably dates back to when the home address was on the insurance cert. I wouldn't leave my home address in my car. Our insurance (AAA) gives 2 certs for each car - DH carries his and mine, DS carries his only, and I have all 3. If DS drives one of our cars, I give him the cert from my wallet.
And I know it is the car that is insured not the driver so that is not why I carry it with me. Doesn't your vehicle registration have your home address on it? Do you not leave that in the car either? We might need a spin off thread about registration! Here we don't have registration papers. I was always so confused about how in movies and tv shows police officers will walk up to a car and say "license and registration please". Here your registration is a sticker that stays on your car. It does not have an address or name on it. There are no papers.
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Post by littlemama on Jul 18, 2016 18:36:30 GMT
In my wallet, which probably dates back to when the home address was on the insurance cert. I wouldn't leave my home address in my car. Our insurance (AAA) gives 2 certs for each car - DH carries his and mine, DS carries his only, and I have all 3. If DS drives one of our cars, I give him the cert from my wallet.
And I know it is the car that is insured not the driver so that is not why I carry it with me. Doesn't your vehicle registration have your home address on it? Do you not leave that in the car either? No, I don't leave the registration in the car. It is in my purse, too.
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Deleted
Posts: 0
May 19, 2024 5:56:17 GMT
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Post by Deleted on Jul 18, 2016 18:40:19 GMT
Doesn't your vehicle registration have your home address on it? Do you not leave that in the car either? No, I don't leave the registration in the car. It is in my purse, too. So if someone else drives your car, you always without fail remember to give it to them? Not trying to be difficult, just seems like it's a situation that rife with potential to create problems to avoid a relatively remote possibility.
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Post by Zee on Jul 18, 2016 18:40:53 GMT
On my phone. There is an old outdated one in my car. I can never remember to print a new one.
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Deleted
Posts: 0
May 19, 2024 5:56:17 GMT
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Post by Deleted on Jul 18, 2016 18:44:29 GMT
Doesn't your vehicle registration have your home address on it? Do you not leave that in the car either? We might need a spin off thread about registration! Here we don't have registration papers. I was always so confused about how in movies and tv shows police officers will walk up to a car and say "license and registration please". Here your registration is a sticker that stays on your car. It does not have an address or name on it. There are no papers. So Texas doesn't have anything in the car that shows who owns the vehicle? When we register our cars, we get year stickers that go on our license plates to show when the registration expires, but there is still a registration document that goes in your car and shows details of the car and the owner's name and address.
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caangel
Drama Llama
Posts: 5,462
Location: So Cal
Jun 26, 2014 16:42:12 GMT
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Post by caangel on Jul 18, 2016 18:56:46 GMT
I have 2 pieces of documentation from my insurance (USAA) 1. a member card with my member number and important phone numbers. I keep this on me in my phone/wallet. 2. the proof of insurance forms/paper cards, one for each vehicle. These are in the appropriate car's glove compartment with the state registration paper/card.
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Post by myshelly on Jul 18, 2016 18:57:51 GMT
We might need a spin off thread about registration! Here we don't have registration papers. I was always so confused about how in movies and tv shows police officers will walk up to a car and say "license and registration please". Here your registration is a sticker that stays on your car. It does not have an address or name on it. There are no papers. So Texas doesn't have anything in the car that shows who owns the vehicle? When we register our cars, we get year stickers that go on our license plates to show when the registration expires, but there is still a registration document that goes in your car and shows details of the car and the owner's name and address. There's no paper. It's a sticker on your windshield. When a cop pulls you over he can see who it's registered to on his computer in his car. I know my car title is in my dad's name, but it's registered to me. So the person it's registered to isn't necessarily the title owner.
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Post by KikiPea on Jul 18, 2016 18:58:42 GMT
In the car pocket.
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Post by littlemama on Jul 18, 2016 19:02:05 GMT
No, I don't leave the registration in the car. It is in my purse, too. So if someone else drives your car, you always without fail remember to give it to them? Not trying to be difficult, just seems like it's a situation that rife with potential to create problems to avoid a relatively remote possibility. Honestly, no one else ever drives my car - the occasions are rare enough that I do remember to give it to them.
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Post by mirabelleswalker on Jul 18, 2016 19:04:27 GMT
Car.
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mlana
Pearl Clutcher
Posts: 2,523
Jun 27, 2014 19:58:15 GMT
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Post by mlana on Jul 18, 2016 19:08:44 GMT
I've always carried my card in my wallet, because it proves that I am insured for any car I drive. But today my ds got his drivers license (YAY!) and the lady at the DPS told me it should be kept in the car. But then if I drive my mom's car or a friend's car, I don't have proof of insurance on me. I'm in Texas, if that makes any difference. So, where do you keep your insurance card? And a little vent: we have Travelers insurance. We have three vehicles. I have three insurance cards - one for each vehicle. Every other insurance company I've ever had has given us ONE card per person, with all vehicles listed. So annoying that they don't all do it the same way. We put the new cards in the glove compartment. Before I do that, I scan both sides of the page with all the cards on it and send it as a .pdf to each of us. We store it on our phones in iBooks. This way, we always have a copy in the vehicle and on us. this is especially handy when DD is away at school when the new cards come in. I live in GA and, while it is advised, it is not necessary for you to carry proof of insurance on you or in your vehicle. When an officer calls in your tag or license number, the insurance information shows up for him. If it doesn't show up, you're in trouble. That's when having a physical or digital copy of your card comes in handy. Most people, officers included, know that the DMV database is as liable to be in error as any other database, so they will at least consider your other documentation valid. Marcy
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milocat
Drama Llama
Posts: 5,437
Location: 55 degrees north in Alberta, Canada
Mar 18, 2015 4:10:31 GMT
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Post by milocat on Jul 18, 2016 19:12:45 GMT
Doesn't your vehicle registration have your home address on it? Do you not leave that in the car either? We might need a spin off thread about registration! Here we don't have registration papers. I was always so confused about how in movies and tv shows police officers will walk up to a car and say "license and registration please". Here your registration is a sticker that stays on your car. It does not have an address or name on it. There are no papers. We have registration paper and a sticker on our license plate. We need both. Our insurance and registration papers would have our address but we "live in a box" so it just says Box 111 no street address so it's safe to leave in the car. I leave our both papers in the vehicle so no matter who drives it it would be there if you get pulled over or in an accident.
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Post by Jenny in TX on Jul 18, 2016 19:18:43 GMT
Both, one in my wallet and one in my glove box. My insurance company sends me like 6 cards, but you can also print extra off their website.
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Post by Bitchy Rich on Jul 18, 2016 19:19:16 GMT
Agree with everyone who keeps the insurance in the car. My husband keeps his in his wallet, which I thought was the dumbest thing, since both our names are on the title. So when I drive his car, no insurance card. He didn't see the logic there.
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