A vehicle insurance verification form is a document used to confirm that a driver has active auto insurance. It details the driver’s coverage, including their liability in the event of an accident.
State Insurance Requirements
Drivers in nearly every state must have an auto insurance policy that meets the minimum coverage requirements for operating a vehicle. The only states that don’t require traditional auto insurance are:
- New Hampshire – Insurance isn’t required in New Hampshire, but drivers must be able to prove they have enough money to cover an at-fault accident.
- Virginia – Drivers in Virginia don’t need insurance if they pay an “Uninsured Motor Vehicle Fee” to the DMV.
VEHICLE INSURANCE VERIFICATION FORM
I, [NAME OF INSURED PERSON], authorize my insurance agent/company to disclose the following information to [NAME OF THIRD PARTY] for the purposes of [REASON FOR VERIFICATION].
Insured Individual Signature: _________________________ Date: [MM/DD/YYYY]
Print Name: [PRINTED NAME OF INSURED PERSON]
INSURANCE AGENT: Please fill out this form and return to:
Fax: [THIRD PARTY FAX] E-Mail: [THIRD PARTY E-MAIL]
– – – – – – – – – – – – – – – – – – – – – – – – – – – – – – –
THIS AREA IS TO BE COMPLETED BY THE INSURANCE AGENT
Insured Individual Name: ___________________________________
City: _____________________ State: _____________________ ZIP Code: ________
Insurance Company: _____________________ Phone: _____________________
Agent Contact Name: _____________________ Fax: _____________________
Policy Start Date: ______________ Policy End Date: ______________
Policy Number: _____________________
Is there liability for injuries or damage to a third (3rd) party? ☐ Yes ☐ No
Does the coverage cover the insured individual in an accident? ☐ Yes ☐ No
Does the coverage pay for damage done to rental vehicles? ☐ Yes ☐ No
Agent Signature: _________________________ Date: ______________
Print Name: _________________________
How to Use the Verification Form
The party requesting proof of insurance must fax or e-mail the verification form to the driver’s insurance provider. Once received, an insurance agent will input the following information in the document:
- Driver’s name and address
- Insurance provider’s name and contact details
- Effective dates of coverage
- Insurance policy number
- The extent of coverage (e.g., whether the policy covers damage to third parties)
After filling out the verification form, the insurance agent will return it to the requesting party to review and verify the driver’s vehicle coverage.
When to Verify Auto Insurance
The following are some everyday situations where a driver’s auto insurance may need to be verified:
- Auto Leasing and Financing – Before leasing or financing a vehicle, lenders typically require insurance verification to ensure drivers are covered in case of an accident or theft.
- Purchasing a Vehicle – Car dealerships will confirm a buyer’s coverage before allowing a vehicle to be driven off the lot.
- Commercial Drivers – Businesses that use vehicles for their operations often demand auto insurance verification for their drivers. This requirement applies to delivery services, taxi companies, and similar businesses.
- Ride-Sharing Companies – Ride-sharing companies like Uber and Lyft will verify a driver’s insurance to confirm compliance with local regulations and company policies.
- Proof in Court – If someone’s license is suspended due to driving without insurance, a court may require proof of insurance as part of the reinstatement process.
- Borrowing a Vehicle – Verifying insurance coverage is helpful before borrowing another person’s vehicle. If the vehicle isn’t insured, the person borrowing it might face fines for driving without proper coverage.