Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 13, 2022

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Just the Basics

  • If your temporary car insurance card is stolen, you can request another one from your insurer
  • Some states allow you to show proof of insurance electronically
  • You can access your insurance card through your car insurance company’s website or app

Most states require drivers to carry at least a minimum amount of car insurance and to have proof that they have the necessary coverage.

So, is it bad if my temporary car insurance card is stolen? While you can always request a new card, if someone tries to use your insurance card as their own, they can be charged with car insurance fraud.

If your temporary car insurance card was stolen, take this opportunity to enter your ZIP code and compare free quotes from companies in your area to find the best deal for you.

What happens if your temporary car insurance card is stolen?

Anytime you are a victim of theft, it can be time-consuming to recover everything you lost. The good news is that getting a new insurance card isn’t that hard.

What happens if someone steals your car insurance card? There are several ways to replace your insurance card:

  • Call customer service to request a new card
  • Access your car insurance company’s website and request a new card online
  • Ask your insurer to send you a digital copy through email
  • Access a digital copy through the website or app

All states, with the exception of New Mexico, allow you to show proof of insurance electronically. This means you have no reason to not have some sort of car insurance card available.

Is it bad to not have car insurance?

If you can’t show proof that you have car insurance, you are considered to be driving uninsured. According to the Insurance Information Institute, around 12% of drivers are uninsured.

Most states will issue you a fine if you can’t prove you have auto insurance.

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Why would you need to show proof of car insurance?

What is proof of insurance? Every driver needs to be able to show that they have the car insurance that is required. Proof of insurance is quite simply your car insurance card.

Your insurance card lists your name, address, vehicle information, what insurance company you use, your policy number, and when your policy expires.

This information all shows that you carry at least the minimum amount of car insurance required in your state.

There are several times you may need to show your car insurance card.

  • If you are in an accident or stopped by the police, the officer will want to see your card
  • In an accident, the other driver will also want to see your insurance card for their records
  • A new insurance company will want you to show that you have had continuous auto insurance
  • If you are buying a car, your lender will want to know that you are insured

When you receive your insurance card, check it carefully. Alert your insurance company if any information is missing or incorrect.

What else should you do if your car insurance card was stolen?

There are other things to consider if your insurance card was stolen. Although having proof of your car insurance is important, that is not the only thing you will need to replace.

If your card was in your wallet when it was stolen, you will need to do more than just call your insurance company. Consider these actions as well:

  • Call your credit card company and bank to report your cards stolen and set up a fraud alert if the cards are used
  • File a police report
  • Go to the DMV for a new driver’s license
  • Change your passwords to any accounts that were associated with cards in your wallet

If your insurance card was stolen along with your car, your comprehensive car insurance will cover the theft. You can request a new card when you report the theft to your insurance company.

Is it bad if my temporary car insurance card is stolen?: The Bottom Line

If your temporary car insurance card is stolen, simply contact your insurer for a new one. Also, consider getting the app for your auto insurance company so that you always have digital proof of insurance.

Now that you know how to get proof of insurance if your temporary car insurance card is stolen, enter your ZIP code to compare quotes from multiple companies near you for free.