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Post by compeateropeator on Jul 18, 2016 22:27:40 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. eta: I don't know if State Farm sends us two copies of each card or not, but if they do I'm pretty sure the second copy is at home in our files, not in anyone's wallet. Mine is in my car but I try to keep one in my wallet. I am another that believes that the car is carrying the insurance so that is where it should be along with my car registration. I have State farm and I get two copies. It is on one paper but 2 cards to punch out.
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Post by myshelly on Jul 18, 2016 22:27:48 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? You are not going to find the answer to your question on a website. You will find the answers to your questions by reading your insurance policy.
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Post by scrapulous on Jul 18, 2016 22:27:51 GMT
"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." That makes sense. Thank you!
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Post by Patter on Jul 18, 2016 22:31:57 GMT
The lady at the DPS was nice, but seemed surprised when I told her the card is not kept in my car. I've always kept it in my wallet, and whenever I've been in the car with someone who was pulled over they had theirs in their wallet, too. I've never seen anyone get one out of the glove box. This is new to me. But now that I know I can print another copy I'll keep one in the car just in case. I was in SC for 9 years, TX for 14 years, and now in NC. In all states, the cards have always been in the glove box of each car. Never, ever had a problem. In fact, when DD was creamed in her car in SC, the police tried to get her insurance card out of the glove box but couldn't because the car was squished so badly it wouldn't open. They did not have a problem that she could not show a card. They just noted who the insurance company was on their report.
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Post by LavenderLayoutLady on Jul 19, 2016 2:15:08 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. This. The car is covered, not the person. I always have my insurance in the glove box, along with proof of registration.
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Peamac
Pearl Clutcher
Refupea # 418
Posts: 4,218
Jun 26, 2014 0:09:18 GMT
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Post by Peamac on Jul 19, 2016 2:58:29 GMT
In the glove box, with the registration. I may have one in my wallet, too. It may depend on the state, though. Different states have different insurance requirements.
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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 19, 2016 3:05:46 GMT
I just glanced at my proof of insurance and in large bold letters it say to keep it in the car at all times. I'm in CA.
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Post by peasful1 on Jul 19, 2016 3:09:09 GMT
We have Traveler's and got 2 cards per vehicle.
We keep one card in each vehicle.
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theshyone
Pearl Clutcher
Posts: 3,411
Jun 26, 2014 12:50:12 GMT
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Post by theshyone on Jul 19, 2016 3:09:13 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. Interesting how other places do this. in Alberta you get a pink card for each vehicle. Insurance is for the vehicle, no others . Registration is for the vehicle, no others. Plate is for specific vehicle no others. If you have six vehicles you would have six insurance cards, six registrations and six plates. With break-ins and auto theft through the roof RCMP are cautioning people not to leave registration & insurance in vehicles.
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Post by AussieMeg on Jul 19, 2016 3:15:41 GMT
What exactly is a "car insurance card" and what is it used for?
I'm not sure whether anyone else in my country has responded yet, but here there is no such thing as a "car insurance card". We would get an insurance policy document when we take out car insurance but there is no requirement to carry that in the car.
Up until last year we had car registration stickers that had to be attached to the front windscreen on the passenger's side. They have now done away with the stickers so we don't have to carry anything. The police have access to registration details on line if they need to check whether a car is registered.
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Post by myshelly on Jul 19, 2016 3:18:28 GMT
What exactly is a "car insurance card" and what is it used for? I'm not sure whether anyone else in my country has responded yet, but here there is no such thing as a "car insurance card". We would get an insurance policy document when we take out car insurance but there is no requirement to carry that in the car. Up until last year we had car registration stickers that had to be attached to the front windscreen on the passenger's side. They have now done away with the stickers so we don't have to carry anything. The police have access to registration details on line if they need to check whether a car is registered. A car insurance card is a piece of paper that proves you have insurance on the car. It is a law that you must have insurance to drive. So if you get pulled over you show the card to the cops to prove you have insurance. If you get into an accident you show the other driver your insurance card so they have your information for any claims that result from the accident. It's so you don't have to carry your whole policy around to prove you have insurance.
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Post by myshelly on Jul 19, 2016 3:20:34 GMT
What exactly is a "car insurance card" and what is it used for? I'm not sure whether anyone else in my country has responded yet, but here there is no such thing as a "car insurance card". We would get an insurance policy document when we take out car insurance but there is no requirement to carry that in the car. Up until last year we had car registration stickers that had to be attached to the front windscreen on the passenger's side. They have now done away with the stickers so we don't have to carry anything. The police have access to registration details on line if they need to check whether a car is registered. ETA: In addition to my answer above I want to say the insurance card usually has on it Your name The make and model and year of your vehicle Your vehicle identification number The dates you are covered by your insurance policy The name and phone number of your insurance company Your policy number
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Post by AussieMeg on Jul 19, 2016 3:21:50 GMT
What exactly is a "car insurance card" and what is it used for? I'm not sure whether anyone else in my country has responded yet, but here there is no such thing as a "car insurance card". We would get an insurance policy document when we take out car insurance but there is no requirement to carry that in the car. Up until last year we had car registration stickers that had to be attached to the front windscreen on the passenger's side. They have now done away with the stickers so we don't have to carry anything. The police have access to registration details on line if they need to check whether a car is registered. A car insurance card is a piece of paper that proves you have insurance on the car. It is a law that you must have insurance to drive. So if you get pulled over you show the card to the cops to prove you have insurance. If you get into an accident you show the other driver your insurance card so they have your information for any claims that result from the accident. It's so you don't have to carry your whole policy around to prove you have insurance. Thanks for the info. Here you don't have to have insurance for your car. You do have to have registration which covers third party insurance but not damage to your car:
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Post by myshelly on Jul 19, 2016 3:24:06 GMT
A car insurance card is a piece of paper that proves you have insurance on the car. It is a law that you must have insurance to drive. So if you get pulled over you show the card to the cops to prove you have insurance. If you get into an accident you show the other driver your insurance card so they have your information for any claims that result from the accident. It's so you don't have to carry your whole policy around to prove you have insurance. Thanks for the info. Here you don't have to have insurance for your car. You do have to have registration which covers third party insurance but not damage to your car: How interesting! So if you get into an accident and it's not your fault but the other driver doesn't have insurance, who pays for damage to your vehicle? That's why we have to have insurance here - so if you cause an accident the other person can recover their damages.
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Post by smokeynspike on Jul 19, 2016 3:31:24 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. Any insurance I've ever had, you get a card per vehicle. And the vehicle is the insured item and anyone driving it is covered.
Edited to add: I keep my card in the visor above my seat with the registration.
Melissa
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Post by AussieMeg on Jul 19, 2016 3:55:33 GMT
Thanks for the info. Here you don't have to have insurance for your car. You do have to have registration which covers third party insurance but not damage to your car: How interesting! So if you get into an accident and it's not your fault but the other driver doesn't have insurance, who pays for damage to your vehicle? That's why we have to have insurance here - so if you cause an accident the other person can recover their damages. If I am in an accident that is not my fault, and the other driver does not have insurance, I will still make a claim through my insurance company who will pay for the damage to my car. My insurance company will then try to recover the money from the other driver who was at fault, which could mean taking them to court if necessary. Most people (certainly everyone that I know) has AT LEAST "Third Party" insurance, which will cover damage to another car if you are at fault. I have always had "comprehensive" cover which covers third party, fire, theft and damage. Before DSO bought a new car this year he had a shitbox that was worth next to nothing. He reduced his coverage down to third party only. No point paying comprehensive cover if his car was worth nothing.
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jp1989
Junior Member
Posts: 60
Oct 28, 2014 2:15:35 GMT
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Post by jp1989 on Jul 19, 2016 4:26:41 GMT
Both places, plus on my iPhone.
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purplebee
Drama Llama
Posts: 6,734
Jun 27, 2014 20:37:34 GMT
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Post by purplebee on Jul 19, 2016 10:42:09 GMT
In the glove box along with the registration. The insurance issues a seperate card for each insured vehicle, rather than a card for each insured driver. In my neck of the woods, it goes in the insured vehicle.
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cakediva
Drama Llama
Making the world a sweeter place one cake at a time!
Posts: 7,444
Location: Fergus, Ontario
Jun 26, 2014 11:53:40 GMT
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Post by cakediva on Jul 19, 2016 11:42:13 GMT
Here insurance is for the specific vehicle, not the person driving it. So it is in my van glove box. DH keeps his in his car, and the slip for our girls' car is in their glove box.
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Post by MZF on Jul 19, 2016 12:23:20 GMT
I was taught it goes in the car glove box. I've never carried it in my wallet.
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Deleted
Posts: 0
May 19, 2024 4:02:29 GMT
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Post by Deleted on Jul 19, 2016 13:37:58 GMT
We also have USAA and leave the insurance and registration in the vehicle.
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Post by threegirls on Jul 19, 2016 14:31:37 GMT
My USAA card says: KEEP IN VEHICLE AT ALL TIMES
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Post by cadoodlebug on Jul 19, 2016 14:45:17 GMT
We get two so one is in my wallet and one in the car.
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Post by lovetodigi on Jul 20, 2016 0:30:21 GMT
We keep ours in the dash of the car and can also access them by the. Geico App on our phones.
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Deleted
Posts: 0
May 19, 2024 4:02:29 GMT
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Post by Deleted on Jul 20, 2016 0:45:51 GMT
My USAA card says: KEEP IN VEHICLE AT ALL TIMES My Allstate card has the same thing written in it. There is an insurance called vern fonk and they insure the driver.
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PLurker
Prolific Pea
Posts: 9,744
Location: Behind the Cheddar Curtain
Jun 28, 2014 3:48:49 GMT
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Post by PLurker on Jul 20, 2016 1:15:41 GMT
Long thread already and will reply before reading...
We get 2 copies per car. I keep one in wallet and one in car. DD has own car now and same. One in wallet and one in car. She actually keeps it in ashtray as it's small and ashtray is not used.
Extra car (eventually DS) same. One in ashtray and DS keeps other in wallet as that is only vehicle he will drive.
Insurance agent says card I carry (listing main vehicle I drive) should be good no matter what vehicle I drive but like it that extra copy being in each vehicle, just in case.
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Post by beanbuddymom on Jul 20, 2016 1:17:48 GMT
GEICO insurance sends two copies of cards for each car, so there are cards for both the glove box and my wallet, but I usually just put one in the glove box with the registration, and put the second one in the file cabinet.
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my3freaks
Pearl Clutcher
Posts: 3,206
Location: NH girl living in Colorado
Jun 26, 2014 4:10:56 GMT
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Post by my3freaks on Jul 20, 2016 3:36:48 GMT
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. Huh...I didn't know there was anywhere (in the US, anyway), that didn't issue registration documents. I've had vehicles registered in NH, Ohio & Colorado and we get a paper registration with all the vehicle ownership info, tax info, etc...and also license plate stickers. We lived in TX for 18 months way back between 1998-2000, but we were active duty and had citizenship declared in NH, so we never had to register the car there. To answer the OP, we keep insurance cards in the car. I TRY to remember to print the new ones out as soon as I get an email about the policy renewal. We have USAA, so we can pull it up on the app to prove it's current if the cards in the car are expired.
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