{"id":2627,"date":"2023-10-28T18:00:00","date_gmt":"2023-10-28T18:00:00","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=2627"},"modified":"2023-10-27T23:08:41","modified_gmt":"2023-10-27T23:08:41","slug":"how-to-check-car-insurance-the-ultimate-guide","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/car-insurance\/how-to-check-car-insurance-the-ultimate-guide\/","title":{"rendered":"How To Check Car Insurance: The Ultimate Guide"},"content":{"rendered":"

If you do not remember your vehicle insurance details or are not able to locate your policy documents, there are several other ways by which you can easily check or track your car insurance policy status online. With the advent of the internet, you can now conveniently check your vehicle insurance details through online modes such as websites or smartphone applications. <\/p>

The easiest way to find out if your car is insured is to check your registration number against the Motor Insurance Database (MID)<\/a>. This is a national register of all the cars insured in the UK. The free search will tell you whether your vehicle has a current, valid insurance policy in place. You\u2019ll get a simple yes\/no response \u2013 you won\u2019t see any details of your insurance. You may also see the make and model of your car if that information has been provided by your insurance provider.<\/p>

Be aware that the MIB is warning its customers about reported cases of scam callers pretending to be from the MIB. The scam caller will probably ask for your bank details. If you suspect that you\u2019ve received such a scam call, you can visit the MIB website\u2019s help and advice page<\/a>.<\/p>

Types of Car Insurance<\/strong><\/span><\/h2>

There are many types of car insurance; some are optional, and some are mandatory, depending on where you live. Understanding insurance types will help you find a suitable policy to protect yourself and your passengers in an accident. Here are the most common types of car insurance:<\/p>

Liability insurance<\/strong><\/span><\/h3>

Liability coverage is a mandatory requirement for drivers in most states. It compensates others when you\u2019re at fault for an accident that causes injuries, damage, or death. Auto liability insurance can also cover your legal expenses if another driver sues you for an accident you cause.<\/p>

There are two forms of auto liability insurance: Bodily injury liability pays for the other driver\u2019s medical expenses, while property damage liability coverage pays for vehicle repairs.<\/p>

Uninsured\/Underinsured motorist coverage<\/strong><\/span><\/h3>

Uninsured motorist insurance covers you in an accident with an uninsured driver, while underinsured motorist insurance reimburses you if the at-fault driver\u2019s policy is inadequate to cover your injuries or vehicle damages. UM and UIM usually pay for your medical expenses and those of your passengers in an accident.<\/p>

In some states, the coverage can also pay for vehicle damages, lost wages, and funeral expenses in case of death.<\/p>

Collision and comprehensive coverage<\/strong><\/span><\/h3>

Collision coverage can help repair or replace your vehicle if you hit another vehicle or an object. Conversely, comprehensive insurance pays for non-collision occurrences, including vandalism, hail, storms, floods, earthquakes, or falling objects. Collision and comprehensive coverage are optional in all states, although lenders may require them if you\u2019re financing or leasing a car.<\/p>

Personal injury protection<\/strong><\/span><\/h3>

Personal injury protection covers the injuries you and your passengers sustain in an accident. It also covers lost wages, funeral expenses, survivor benefits, rehabilitation, and replacement costs for accident victims. PIP is also known as no-fault insurance because it covers accident-related expenses regardless of who\u2019s at fault.<\/p>

PIP is part of the no-fault insurance laws and is mandatory in Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Some other states allow you to purchase optional PIP coverage.<\/p>

What documents do I need to check my car insurance on the MID?<\/strong><\/h2>

You don\u2019t need any documents. Just your car registration number to check if your car is on the Motor Insurance Database using the free askMID<\/a> search tool. To carry out a search on the MID, you\u2019ll need to declare that the car is registered, owned, or insured by you or your employer.<\/p>

Ways to check car insurance status online<\/strong><\/h2>

There is no doubt that the internet has made insurance penetration deeper and technology-driven innovations have made after-sales services much more efficient and smooth. With the ease of the internet and digitization, and with just one tap, one can quickly check their vehicle insurance details online and get updated for the expiry or renewal dates. <\/p>

You may want to check your vehicle insurance online in two situations:<\/p>