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Post by gmcwife1 on Jul 18, 2016 19:21:20 GMT
Each car has it in their glove box.
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Post by gmcwife1 on Jul 18, 2016 19:22:08 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. I should have just kept reading because this was my thought too Probably because I'm also in Washington state. I always thought it was the car
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Post by supersoda on Jul 18, 2016 19:33:47 GMT
I just use the app on my phone. I was always terrible about keeping updated cards in my car, anyway.
But I got pulled over last night, and when the officer asked for my insurance card I said, "it's an app on my phone, but y'all usually just run my plates to verify insurance."
DD pointed out that I basically just told him that I get pulled over all the time. LOL!
He just said ok, and then pulled out a scanner and scanned my registration sticker (Texas). I've never seen them do that before, but I guess it told him everything g he needed to know.
He was the most apologetic cop who has ever ticketed me, so I couldn't even be mad about the ticket!
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Post by chaosisapony on Jul 18, 2016 19:36:40 GMT
I get two cards each time it renews and have the option to print more. I keep one in the glove box and one in my wallet.
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Deleted
Posts: 0
May 19, 2024 7:44:28 GMT
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Post by Deleted on Jul 18, 2016 19:38:58 GMT
We leave the card in the car. Like others have said, it's the car that is insured not the driver. We keep our registration and insurance together in the locked glove box.
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paget
Drama Llama
Posts: 6,752
Jun 25, 2014 21:16:39 GMT
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Post by paget on Jul 18, 2016 19:39:38 GMT
Car - glove compartment. Car is what is insuranced.
So that raises a question- what if I am Pulled over in someone else's car and their insurance is not current? Who gets fined or ticketed for that - the car owner or the driver? Do we have to check (and trust) the car is insured before driving it?
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Post by lorieann13 on Jul 18, 2016 19:43:56 GMT
One is kept in each vehicle (dh's truck and my mini van) and we also carry one in our wallets.
I do that because if say my parents were to use my car, they have proof that my vehicle is insured and then they can show their insurance card to show they as drivers are insured.
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Post by gracieplusthree on Jul 18, 2016 19:51:40 GMT
Have always kept it in the car glovebox with the registration. The insurance follows the car and is why it specifies on the card which car its for.
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mimima
Drama Llama
Stay Gold, Ponyboy
Posts: 5,020
Jun 25, 2014 19:25:50 GMT
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Post by mimima on Jul 18, 2016 20:01:13 GMT
My business partner and I just had this discussion. I always keep it in my glove box, she keeps it in her wallet.
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moodyblue
Drama Llama
Posts: 6,179
Location: Western Illinois
Site Supporter
Jun 26, 2014 21:07:23 GMT
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Post by moodyblue on Jul 18, 2016 20:18:45 GMT
When I was single I always kept it in my wallet. No one else ever drove my car and I only ever drove my own car. So it was always with me when I was in the car.
Since I got married, there have been occasions when my husband and I will switch cars for the day or I will use his to run an errand or if I need to take more than one person somewhere (I drive a two-door and there isn't much room or easy access to the back seat.). So I switched to keeping the insurance card in the glove box clipped to the registration. That way it's with the car all the time, whether I'm driving it or my husband.
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Post by melanell on Jul 18, 2016 20:31:31 GMT
I keep mine in my car. But I can print copies of it from the website, so if I carried a wallet (which I do not) I could print off an extra for the wallet.
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Post by *Shannon on Jul 18, 2016 21:10:18 GMT
In CO the car is insured, not the driver. Proof of insurance stays in the car, it's in a little zipper bag thing along with the registration.
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Post by gmcwife1 on Jul 18, 2016 21:24:17 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. How it is in the movies is exactly how it is in Washington state
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Post by workingclassdog on Jul 18, 2016 21:32:07 GMT
I used to keep it in my wallet all the time but my insurance lady at some point a few years ago to keep it in the car. So that's where it goes. We do get 2 cards per vehicle. So now one goes in my wallet and the spare goes in the car. If I drive DH truck or DD car then there should be a card in the glovebox.
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Post by disneypal on Jul 18, 2016 21:33:18 GMT
Years ago, I use to receive 2 insurance cards for my policy (Allstate) - I kept one on me and one in my car. Now I just get one card and I carry it on my (in my purse).
Heaven forbid, you could be in a terrible accident, car totaled but luckily you survive. If your car is wrecked, the glove box could open during the wreck, papers could fly out and scatter, if it is towed, it could be sorted through, you just don't know but if it is in your wallet, someone can usually find your purse and place it with you (or if you are a guy, most likely it will be in your back pocket).
I think it is best to carry the card in your wallet.
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Gravity
Pearl Clutcher
Posts: 3,229
Jun 27, 2014 0:29:55 GMT
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Post by Gravity on Jul 18, 2016 21:38:03 GMT
I keep the card in my car. I do not drive other people's cars. When I go to work, I do not take my wallet. I only take my driver's license, a credit card for emergencies, and my keys. My work bag already contains things I may need like a nail file, reading glasses, etc.
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Post by scrapulous on Jul 18, 2016 21:45:17 GMT
I'm also with Travelers and was just on their site this morning (www.mytravelers.com). I see that you can print convenience cards. It states these cards are not proof of insurance, but all my insurance information is on the card. This is the card I would probably carry in my wallet and leave the proof of insurance card in my vehicle. I have never carried a car insurance card in my wallet though. It says "this information is for your convenience and may not be accepted as proof of insurance," but then if you click "view PDF" it brings up the actual card to print off. I think that statement means you can't necessarily just show the website to an officer, you need to show him the actual card. The PDF I printed looks exactly like the one I already have. And now I have an extra for my glove box. SaveSave
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Post by scrapulous on Jul 18, 2016 21:49:20 GMT
I haven't finished reading all the responses yet, but I do have what is probably a dumb question. Many people have stated that the insurance covers the vehicle, not the driver. So my question is, if that's the case, why do I have to add my son to my policy now that he has his license? If the car is already covered, what is the purpose of making my policy much more expensive by adding him?
I do know that I have a "named driver" policy, meaning only the named drivers are covered. Each driver is listed on the insurance card. Maybe not all policies are that way?
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Post by Dreamsofnyssa on Jul 18, 2016 21:53:44 GMT
I haven't finished reading all the responses yet, but I do have what is probably a dumb question. Many people have stated that the insurance covers the vehicle, not the driver. So my question is, if that's the case, why do I have to add my son to my policy now that he has his license? If the car is already covered, what is the purpose of making my policy much more expensive by adding him? I do know that I have a "named driver" policy, meaning only the named drivers are covered. Each driver is listed on the insurance card. Maybe not all policies are that way? It's because he lives with you and would be considered more of a regular driver than someone that the car may be occasionally lent to. Edited to add: when you lend your car to a non-immediate family / household member, think of it as "if you lend your car, you lend your insurance." That is what my Dad (an Insurance agent) used to say. So, even if that person is not named on your policy, they are still covered by your insurance.
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Post by scrapulous on Jul 18, 2016 21:58:43 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. My card has the vehicle information and all drivers listed. I guess not all policies are the same. I can take any of our vehicles in because my name is on all the cards as a driver for each vehicle. This whole insurance thing is confusing to me, lol. SaveSave
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Post by myshelly on Jul 18, 2016 21:59:07 GMT
I haven't finished reading all the responses yet, but I do have what is probably a dumb question. Many people have stated that the insurance covers the vehicle, not the driver. So my question is, if that's the case, why do I have to add my son to my policy now that he has his license? If the car is already covered, what is the purpose of making my policy much more expensive by adding him? I do know that I have a "named driver" policy, meaning only the named drivers are covered. Each driver is listed on the insurance card. Maybe not all policies are that way? A word of caution/advice - be careful with named driver policies. Several states have tried to make them illegal bc of the crappy coverage they provide. They are often referred to as "junk policies". With a regular, good policy the insurance follows the car. You are covered for incidental drivers, but someone who lives in the house and has regular access to the cars would be a regular driver, not an incidental driver.
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Post by scrapulous on Jul 18, 2016 22:04:32 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. The registration sticker on the windshield has a barcode and a number that the officer uses to look up the information in his computer. No papers are required. And as of last year our registration sticker is also our inspection sticker. You have to get your inspection first, then when you pay for your registration they look you up in their system and see that you've already gotten your inspection. So now it's just one sticker on the windshield. SaveSaveSaveSave
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Post by Dreamsofnyssa on Jul 18, 2016 22:10:31 GMT
A word of caution/advice - be careful with named driver policies. Several states have tried to make them illegal bc of the crappy coverage they provide. They are often referred to as "junk policies". With a regular, good policy the insurance follows the car. You are covered for incidental drivers, but someone who lives in the house and has regular access to the cars would be a regular driver, not an incidental driver. Just because a policy had a name on it doesn't make it a junk policy. Every policy requires a name. That is how they are issued.
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Deleted
Posts: 0
May 19, 2024 7:44:28 GMT
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Post by Deleted on Jul 18, 2016 22:14:50 GMT
A word of caution/advice - be careful with named driver policies. Several states have tried to make them illegal bc of the crappy coverage they provide. They are often referred to as "junk policies". With a regular, good policy the insurance follows the car. You are covered for incidental drivers, but someone who lives in the house and has regular access to the cars would be a regular driver, not an incidental driver. Just because a policy had a name on it doesn't make it a junk policy. Every policy requires a name. That is how they are issued. That's not what she means. A "named driver policy" is a specific kind of policy that *only* covers specific drivers for a vehicle. The policy limits are generally lower (leaving you open to having inadequate coverage) and they generally considered kind of cut-rate policies.
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Post by scrapulous on Jul 18, 2016 22:17:31 GMT
I haven't finished reading all the responses yet, but I do have what is probably a dumb question. Many people have stated that the insurance covers the vehicle, not the driver. So my question is, if that's the case, why do I have to add my son to my policy now that he has his license? If the car is already covered, what is the purpose of making my policy much more expensive by adding him? I do know that I have a "named driver" policy, meaning only the named drivers are covered. Each driver is listed on the insurance card. Maybe not all policies are that way? A word of caution/advice - be careful with named driver policies. Several states have tried to make them illegal bc of the crappy coverage they provide. They are often referred to as "junk policies". With a regular, good policy the insurance follows the car. You are covered for incidental drivers, but someone who lives in the house and has regular access to the cars would be a regular driver, not an incidental driver. Technically I've never heard of a named driver policy until today. I went to the website tdi.texas.gov to learn more about auto insurance, and they said that your liability insurance covers anyone who drives your car, but that some policies name specific drivers. Since my insurance card names all of us as drivers, I assumed I have that type of policy, but maybe I don't. Every car insurance policy I've ever had has all the named drivers listed on the cards. So I don't really know if I have a named driver policy exactly, but I know I have good coverage and have never had a problem. I've had insurance through many different companies over the years, and they all have our names on the cards. But like I said above, I think car insurance is confusing anyway. SaveSave
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Post by scrapulous on Jul 18, 2016 22:19:04 GMT
And I still don't really get why they say the coverage follows the car if each driver needs to be covered also. It seems like the car AND the person have to be covered. Otherwise I wouldn't need to add my son specifically to my policy. I'm just easily confused I guess.
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Post by myshelly on Jul 18, 2016 22:20:01 GMT
A word of caution/advice - be careful with named driver policies. Several states have tried to make them illegal bc of the crappy coverage they provide. They are often referred to as "junk policies". With a regular, good policy the insurance follows the car. You are covered for incidental drivers, but someone who lives in the house and has regular access to the cars would be a regular driver, not an incidental driver. Just because a policy had a name on it doesn't make it a junk policy. Every policy requires a name. That is how they are issued. As busypea said, that's not what I mean. A "named driver policy" is the name of a specific kind of policy. It provides much less coverage than a regular insurance policy because it ONLY insures one driver as opposed to insuring the car like a regular policy. They are cheap because the provide very, very limited coverage. Lawmakers in multiple states have proposed legislation to make them illegal bc they provide such narrow coverage that most people do not understand the limitations and because it's not fair to drivers who get hit by people with such a limited policy.
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Post by scrapulous on Jul 18, 2016 22:23:20 GMT
I also found this on tdi.texas.gov:
Who it covers:
you and your family members. (Family members include anyone living in your home related to you by blood, marriage, or adoption. This includes your spouse, children, in-laws, adopted children, and foster children.) other people driving your car with your permission. family members attending school away from home. spouses living elsewhere during a separation are covered. You and your family members might be covered when driving someone else's car - including a rental car - but not a car that you don't own but have regular access to, such as a company car. Some policies provide only liability coverage when you drive a car you don’t own. Physical damage coverage for damage to the unowned vehicle might not transfer. Ask your agent before renting a car or driving a car you don’t own or lease.
This seems to be saying two different things. First it says my policy covers other people driving my car with my permission, which implies to me that if I drive someone else's car with their permission I am covered under their insurance. But then it says you and your family members might be covered when driving someone else's car - including a rental car...ask your agent before renting a car or driving a car you don't own or lease.
So does their insurance cover me, or does mine?
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Post by myshelly on Jul 18, 2016 22:25:27 GMT
A word of caution/advice - be careful with named driver policies. Several states have tried to make them illegal bc of the crappy coverage they provide. They are often referred to as "junk policies". With a regular, good policy the insurance follows the car. You are covered for incidental drivers, but someone who lives in the house and has regular access to the cars would be a regular driver, not an incidental driver. Technically I've never heard of a named driver policy until today. I went to the website tdi.texas.gov to learn more about auto insurance, and they said that your liability insurance covers anyone who drives your car, but that some policies name specific drivers. Since my insurance card names all of us as drivers, I assumed I have that type of policy, but maybe I don't. Every car insurance policy I've ever had has all the named drivers listed on the cards. So I don't really know if I have a named driver policy exactly, but I know I have good coverage and have never had a problem. I've had insurance through many different companies over the years, and they all have our names on the cards. But like I said above, I think car insurance is confusing anyway. SaveSaveYou should find out! Just because there are names on your card does not mean you have a named driver policy. Insurance follows the car. If you have good insurance, your car is covered for incidental drivers (someone who borrows your car with your permission). However, the insurance company would not consider someone who lives t your address to be an incidental driver. Your insurance would consider them a regular driver and your insurance agreement includes a duty to notify the insurance company/pay for coverage for all regular drivers. The issue with your son is not whether the insurance follows the car; the issue with your son is whether he is a regular driver.
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Post by scrapulous on Jul 18, 2016 22:25:41 GMT
DH says we do not have a "Named driver" policy. I am glad I'm not the one who shops around for the car insurance, because I clearly don't know what I'm talking about!
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