General Insurance

If I go through The Zebra to get insurance, will I receive the proof of insurance today?

Whether you decide to purchase insurance through The Zebra online or over the phone, you will receive your proof of insurance before you hang up. As long as your down payment is received, your policy can become active and documentation can be generated.
Sep 16, 2021 Lake Charles, LA

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Most Recent

General Insurance

Would I avoid the penalties of a ticket for failing to provide proof of insurance if I got insurance before my court date?

Unfortunately, you likely won't be able to avoid any penalty for not having insurance. I would still recommend going to court with insurance — your judgment might be less severe if you resolve your uninsured status versus still being uninsured by the time your court date comes around.
Aug 25, 2019 Avondale, AZ


Am I required to purchase two years worth of auto insurance to obtain two years of proof (SR-22)?

You must maintain insurance continuously for your SR-22 to be effective. An SR-22 is a filing with that state that informs them when you have insurance and when the policy cancels.
Jul 10, 2019 Rockville, IN


I was billed for forced car insurance even though I already had it

While it can vary by the individual policy procedures of your lender, they should be able to backdate those charges if you're able to show proof of insurance for the duration of the loan. You can request a policy declaration or binder from your insurance company which will show the date of policy inception.
Jun 7, 2018 Glendale, AZ

Coverage & Claims

I wasn't allowed to use my digital insurance card as proof

As long as the insurance was active at the time you were cited the digital copy should be taken. Oregon is one of the states that accept digital insurance cards per Oregon Law.
Mar 5, 2018 Vernonia, Oregon

Insurance Companies

What is a letter of acceptance?

While your old insurance card will show your most recent policy term, a letter of experience will provide your new insurance company with additional details from your old policy. This is usually because your new company is providing a hefty discount for the fact that you were maintaining insurance coverage prior to the start of your new policy.
Mar 15, 2017 Burnet, TX

General Insurance

Does North Carolina accept proof of insurance on my phone if I were to get pulled over?

Unfortunately, North Carolina does not allow for digital proof of insurance just yet so you will need to print a hard copy to keep in your vehicle. That could always change in the future, but currently, a hard copy is required.
Sep 18, 2016 Charlotte, NC

General Insurance

Can't take car out of impound without proof of insurance

The only real solution in this case would be to purchase a basic auto policy as quickly as possible since the impound lot will not release the vehicle until you can prove that it is insured. Asking for the absolute minimum coverage will at least meet the requirement to take your car home.
Apr 3, 2016 Corvalis, OR

General Insurance

Do I need to keep a printed insurance card in my vehicle or can I show digital proof of insurance on my phone?

As of May 2015, 42 states allowed for digital proof of insurance rather than a paper ID card. That is seven more states than in 2013 so there is potential that within the next few years every state could allow for digital proof.
Mar 14, 2016 Enid, OK
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