Like your social security number, your car insurance policy number is a unique identification number that links your policy details to you. If you are involved in a car accident or get pulled over, you may need to provide your policy number to the other driver, your insurance company, their insurance company or a police officer. Knowing where to locate your policy number is important so you can easily access critical policy information.

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What is a car insurance policy number?

Every insurance policy has an identification number assigned to it when it is created. This identification is called the insurance policy number and will be attached to nearly all paperwork related to your policy.

The insurance policy number serves as a unique identifier, differentiating each insurance policy from others. Another way of looking at it is that each insurance policy has a number and no two numbers are the same.

You can find your policy number on your insurance card or on bills and statements associated with your insurance account. Your account number will typically be between nine and 13 digits and could contain both numbers and letters.

Who needs their car insurance policy number?

Anyone who holds an auto insurance policy benefits from knowing their car insurance policy number. In many cases, you can look up your policy number if you forget it. However, suppose you’ve just been in a car accident. In that case, you may need to provide the other drivers with your auto insurance information. This information includes your car insurance policy number. You may also need to get the other driver’s policy number, just as you may need to provide yours.

Keeping proof of insurance in your vehicle may be a good idea. Proof of insurance could be an insurance ID card, certificate of insurance form, or even your policy – although it may have several pages. Each of these documents will include your insurance policy number. By keeping proof of insurance in your vehicle, you won’t have to panic searching for your policy number if you get in an accident.

How to find your car insurance policy number

In addition to outlining your coverage options, the policy documents you receive when setting up your policy should also contain your auto policy number. Beyond that, insurance policy numbers are generally attached to all paperwork associated with that policy. Thankfully, this means that you can find it in several ways.

  • Check your insurance card: Your proof of insurance card will have your policy number listed. The format for an auto insurance policy number is usually nine to 13 digits long and looks similar to this: “Policy # [your 9-13 digit number here]”
  • Go through your premium bills: Premium statements often have the policy number printed on them. Both paper and digital statements typically have your policy number listed in a similar format as on your insurance card. Some carriers have separate billing and policy account numbers, so double-check to make sure you differentiate the premium account number from your policy number, if applicable.
  • Look at your insurance declarations page: When purchasing your policy, the insurance company should provide paperwork detailing your policy’s coverage options. This paperwork will often have the auto policy number printed on it.
  • Log into your account: If you have an online account with your insurance company, you can likely find your policy number. Go to the company website and log into your account. Once you are logged in, you may see your policy number listed with your account information.
  • Contact your insurance agent: You can always contact your insurance agent during your carrier’s business hours. Inform them of who you are and request your policy number. They may require some proof of identification, so be ready just in case.

How to find someone else’s car insurance policy number

You can find someone else’s auto policy number in a few different ways. If you’re involved in an accident, the other driver will likely give you their insurance information. If they fail to share their policy number, you could file a police report or contact the Department of Motor Vehicles (DMV).

  • File a police report: If you have a legal cause, like being the victim of a hit-and-run, you may file a police report and request to be informed of whether or not the vehicle was insured. This represents a valid reason because, in this case, the insurance of that vehicle may be liable for damages done to yours.
  • Contact the DMV: If you have a valid reason to know whether a car is insured, but it isn’t a police matter, you can sometimes get that information from the DMV. The DMV will want to know your reasons and will need as much information on the vehicle as you can provide. If you know the car’s VIN (vehicle identification number), the process may go much smoother.

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