How come my name isn't listed on the auto insurance card even though i AM insured?

How come my name isn't listed on the auto insurance card even though i AM insured?

My parents have bought auto insurance but whenever they send the insurance card (proof of insurance), only their names are on there. However, if you look up our policy number, I AM an insured driver. Why is that? How am I suppose to carry an insurance card? Is it because I'-m under 18?


As long as the policy lists you as an additional driver, that's fine. Insurance follows the CAR, not the driver.


Auto insurance in the USA is confusing. The insurance companies say the CAR is insured, when most people think it really should be the DRIVER who is insured.Drivers are not listed on most insurance cards, and as others have said, the cards stay with the car that is insured.But you sound like you are not in the same location as your parents. Do you have a car with you? If so, make sure the card you have lists the car.If you don't have a car, and the insurance is to protect you when legally driving a car not insured by your parents, then you should have your parents check with their insurance agent. Maybe their is another document you should carry with you for when you are driving a rental car, a friend's car, or a work vehicle.While the insurance companies say the car is what is insured, the prices you pay are largely based on the drivers and their age and driving records. Don't think so? A family with two cars will see their prices skyrocket high when they add a 16 year old to the policy. Same cars being insured, but new set of drivers to make the rates go sky high.


You are supposed to carry an insurance card with the name of the owner of the car (your parents?), not your name (unless you own the car). The card with their names is the card that you are supposed to carry.Your name is not on the card because you do not own the car and are merely an insured driver, not the policyholder.


You or your parents should call the insurance company and ask for an insurance card with your name on it.


There are different KINDS of insureds on a policy. The insurance card, lists the NAMED insureds - the people who BOUGHT the policy, pay for the policy, and get the claim check.Insured drivers are NOT listed on an insurance id card.You don't actually carry the card - you leave it in the car with you. And yes, you do show it in case of an accident. No biggie.



Popular Q&A

How do I make broker contract for auto and home insurance?
Yep, Progressive will give you a contract without a production requirement, and so will Foremost. You can also access your state FAIR plan, if you have one, and your state assigned risk plan, without contracts.And, you'll probably want to make friends with some wholesalers, who can help you...

Can you resume your auto insurance policy one it was canceled?
You will have to start a new policy with a new application. You should call around and get another agent. The $200 finders fee is excessive. Try this site to find the best auto insurance you can get quotes from different auto insurance companies in...

What will happen when they file an auto insurance claim?
As long as both cars have collision coverage, they have two collision claims, with two collision deductibles. Mary, obviously, will get a surcharge for an at fault accident.Property damage doesn't apply, as the FULL wording of that coverage is, "property damage to OTHERS", and it doesn't cover...

How do you get a dealer's license in Texas for auto auctions?
First you need garage liability insurance, which is mandatory in most every state. That runs $2500-3500 per year depending on your age & driving record.A retailer requires a place of business, a legit car lot.A wholesaler doesn't need that but can only buy & sell to dealers.In other words,...

Which make and model of car/SUV is the cheapest on auto insurance?
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting...