When changing companies do you have to show proof of insurance to the old company?

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Asked March 8, 2011

1 Answer


No. While you are endangering your driver license to cancel coverage with the old company before you get a new policy, there is no requirement that you have to show the old company proof of new coverage. It is not unusual for the old company to ask why you are changing insurers, and what company you are changing to, but that is generally done more out of competitiveness than company requirements. In essence, insurance companies want to know why they are losing your business so they can prevent such losses in the future.

Your new insurance company may ask to see your old insurance card to simplify getting you the coverage you have been accustomed to. You are not required to show your old insurance card to the new company, but doing so can help make sure that you get any discounts you have coming and avoid paying a non-insurance fee. In most states, your car insurance is filed with the DMV, and insurance companies can ascertain your existing coverage during the driving record check.

Most insurance companies recommend giving notice before you cancel your policy. Usually this is one complete billing cycle, and allows the insurance to shut down the billing process so that you do not receive any bills for a period that you do not need coverage from that company. As mentioned, it is best to have your new policy in force when or before the old policy is canceled to prevent automatic suspension of your vehicle registration by the DMV.

Answered March 8, 2011 by Anonymous

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