DMVs are hard at work figuring out ways to lower the number of drivers that are out on the road without insurance. One of the simplest and most effective methods by which the DMV is accomplishing that goal is by requiring proof of insurance before a vehicle's registration can be renewed. In other words, you need to maintain that insurance, or you’ll be driving illegally, and that could get you a ticket.
Proving You Have Insurance
When it comes time to renew your vehicle’s registration it’s important that you bring proof that you have insurance. The best way to prove you have insurance is by providing your insurance card to the worker at the DMV. At some locations, you’ll be able to register your vehicle without having proof present, but you’ll have to provide proof within a set timeframe for that registration to be valid. Do yourself a favor and just bring your insurance card with you when you head to the DMV to renew your registration, you’ll save yourself lots of time by doing so.
You Must Have Enough Coverage
Not only do you have to have proof of insurance, but you also need to have the minimum amount of coverage as demanded by the state. That includes all of the following.
- Coverage for an uninsured motorist
- Coverage for a personal injury (only if you live in a no-fault state)
- Property and bodily injury liability coverage
- How to Handle Registration in a new state
When you move to a new state, you’ll still be covered by your insurance company from your previous state, but that doesn’t mean you’ll be able to renew your registration in the new state. In fact, if you don’t have insurance from your new state you won’t be able to register your vehicle in the new state at all. That’s a pretty serious issue because residents typically have between 10 and 30 days to register their vehicles after moving to a new state. As soon as you make the move, take the time to get your insurance changed over to the new state and then register your vehicle with the DMV for your local municipality.
Take Care of it Online
The Internet makes just about everything more convenient, and that includes registering your vehicles. In many instances, you can renew your vehicle’s registration right over the internet. As long as your insurance is up to date, and you have a valid inspection (in some states), chances are good that you can handle your renewal online. This saves you a trip to the DMV and is a pretty straightforward process as long as you have a credit card handy.
Be Careful That Your Registration is Not Suspended
There are times when your registration can be suspended if you are not careful. All of the below instances can lead to a suspension which could make it illegal for you to drive around.
- Your insurance policy is cancelled
- The provided insurance information was fraudulent
- Insurance coverage was never proven
Take the time to learn about your local registration requirements to ensure that you’re compliant, and you won’t have to worry about problems with a lapsed registration.