First, what is a proof of insurance. It is an evidence that an insurance as been purchased. When the need arises, the details of the insurance policy would be gotten from the proof. An instant proof of insurance is the proof a buyer or a policy holder gets immediately after making payment. He or she does not have to wait for hours for it, neither does he have to come back for it. The importance of an instant proof of insurance cannot be over-emphasized.
The kind of insurance that requires an instant proof the most is auto insurance. This is because it is a big offence to drive without a proof of insurance while driving without any auto insurance is even a bigger crime.
In a situation of an accident in which the driver falls unconscious, officers can easily get the details of the insurance policy from the proof. So, any policy holder who is yet to get his proof is not better than a driver whose insurance has expired. Both of them cannot drive.
Another reason for an instant proof is when the renewal of an insurance policy is paid for on a Friday evening when the company is about to close for the day and the proof would not be ready on that day, it means the policy holder would not be able to drive for the whole of the weekend. What happens if an emergency comes up and the car has to be used to get an injured person to the hospital urgently?
These are the reasons an instant proof became very necessary. Many insurance companies have now made it possible to purchase insurance online and print out its proof instantly. With that initiative, payment for insurance can be made any day anytime and anywhere, as long as there is a computer with an internet connection and a printer.
Another reason a proof is needed is that when the driver is involved in accident, regardless of who is at fault, the proof shows the other motorist that you have insurance and he can write down your insurance information from the card (proof). The police officer at the scene of the accident will also need your insurance information to write his personal report.
Kindly note that the Internet print-out is a temporary proof. Hence, it often comes with an expiry date. It is meant to cover you pending when your permanent proof will be ready. The permanent one comes in form of a card. Most companies will even withdraw it from you on the delivery of your insurance card.
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