how can police tell if you have car insurance or not, can they tell by you license plate?

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  • 1 decade ago
    Favorite Answer

    A more simplified answer: The vehicle code in your state, when addressing this particular violation, says that the vehicle owner must keep a copy of 'proof of insurance' in the vehicle. That's the little 4"x5" (approx) piece of paper that the insurance sends back to you after you renewed your insurance for that year.

    An officer that stops you (for any reason) may ask to see your proof of insurance card. If you have it in the glove box or visor, then by handing it to him, it settles the matter. If you don't have it, can't find it, etc, he may issue a citation for it.

    The citation is for not having the card - which is your proof of insurance. If you 'do' have insurance, but just couldn't find the card or were driving someone else's car at time, then it would be wise to make a court appearance or follow the additional instructions you receive on the back of the citation, or in the mail.

    There is otherwise no other way the officer knows whether you have insurance or not. It's not linked to your license plate number via a computer check, or anything more magical than than.

  • Anonymous
    5 years ago

    I don't know if it is different in NY from CA, but if you don't have the car, why not contact your insurance company and explain the situation. They will most likely cancel that policy, but at least you will have a history with them when you need to get another policy, instead of starting from scratch. Normally when a car is towed to an impound yard, it goes there right away; call both the impound yard (there may even be several that the police use depending on the area car was towed from) and the police to find where your vehicle is. Not sure about the DMV - you may be able to go to them and tell them the car is in impound and you don't want / can't get it and maybe you can just turn in the title ??? Again, not sure

  • Anonymous
    1 decade ago

    Bound's hubby here:

    When you register your vehicle with the state, you must identify your insurance company and policy number. The state confirms coverage with your insurer. Then, if you default on your insurance (do not pay your bill), the insurer notifies the state you are uninsured.

    Now, the police, when they make a stop, will run your vehicle's license plate, and that "run" will show that you are uninsured. Also, in most states, when stopped, you must produce current and valid proof of licensure, registration, and insurance coverage!

  • Anonymous
    1 decade ago

    Insurance is tied to the DMV.The insurance info is attached to the vehicles info. The plate gives the registered owners address and insurance carrier and if the vehicle is valid or not and other info.Not having insurance is a valid reason to suspend the vehicle's driving rights in most states.The idea is to stop uninsured drivers.

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  • 1 decade ago

    In Georgia the answer yes. The insurance information comes back when you run the tag. If the insurance is canceled by your insurance company they notify the DMV and DMV will suspend your drivers license as well for insurance cancellation. Most drivers still carry the card but if its in the computer its still sufficient.

  • 1 decade ago

    You have to supply proof of insurance at the time your plates are issued - at least we do in Minnesota. The police can cross match that to see if the insurance is still in effect.

  • 1 decade ago

    They have no way of knowing unless they pull you over for a valid reason and ask to see proof of insurance. That is the only way they will know if you have insurance or not in the state that I live in.

  • 1 decade ago

    Let's say you have to get insurance to buy the car but the policy expires in 6 months. Okay, so you get lazy and don't renew but you still drive your car. The insurance company that you aren't paying anymore just faxed your information to the sherrif's department and the DMV. All it takes is a) getting pulled over for speeding or busted headlight or something or b) going down to try to renew your license. And let's not even factor in if you get in an accident and don't have insurance. You'd have to be a moran. And by the way, if you are one of these morans, thanks alot for raising the rates.

  • 1 decade ago

    Insurance companies in some States report to the DMV for all cancelled policies and the policies that have not been renewed.

    the police has access to these information.

  • sglmom
    Lv 7
    1 decade ago

    In my state, you have to have Insurance to OBTAIN those License Plates -- and register that insurance -- otherwise -- no driving for you!

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