Legal Templates

Auto Insurance Verification Form Template

Utilize an auto insurance verification letter to confirm the coverage details of a policyholder.

Updated July 3, 2024
Written by Yassin Qanbar | Reviewed by Susan Chai, Esq.

An auto insurance verification letter, also known as a vehicle insurance verification form, is a crucial document proving a driver’s active auto insurance coverage. It is often required by rental car agencies, DMV offices, employers, and financial institutions to confirm the validity and specifics of an insurance policy. This letter includes key details such as the policy number, expiration date, and coverage limits, ensuring all parties can easily verify the driver’s insurance status and comply with legal and procedural requirements.

Once completed by an agent of the insurance company, the form is returned to the third party for review, ensuring that the driver’s coverage and liability in the event of an accident are clearly documented.

When to Verify Auto Insurance

Auto insurance verification is necessary in several common situations:

  • Auto Leasing and Financing: Lenders require proof of insurance to ensure coverage for accidents or theft.
  • Purchasing a Vehicle: Dealerships confirm a buyer’s coverage before releasing the vehicle and executing a bill of sale.
  • Commercial Drivers: Businesses using vehicles, such as delivery services and taxi companies, require insurance verification for their drivers.
  • Ride-Sharing Companies: Companies like Uber and Lyft verify drivers’ insurance to comply with regulations and policies.
  • Proof in Court: Courts may require proof of insurance for reinstating a suspended license.
  • Borrowing a Vehicle: Verifying insurance is advisable before borrowing a vehicle to avoid fines for driving without coverage.

Table of Contents

State Auto Insurance Requirements

In the United States, almost every state mandates drivers to have auto insurance that meets certain minimum coverage requirements to legally operate a vehicle. The specifics of these requirements vary by state but typically include liability coverage.

General Requirements

  • Bodily Injury Liability (BIL): Covers medical expenses for injuries you cause to others in an accident. Minimum limits often range from $25,000 per person to $50,000 per accident.
  • Property Damage Liability (PDL): Covers damage you cause to someone else’s property. Minimum limits typically range from $10,000 to $25,000 per accident.

Specific State Examples

  • California: Minimum coverage includes $15,000 for injury/death per person, $30,000 for injury/death per accident, and $5,000 for property damage.
  • Florida: Requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.
  • New York: Requires $25,000/$50,000 for bodily injury, $10,000 for property damage, and $50,000 in personal injury protection. New York also requires uninsured/underinsured motorist coverage.
  • Georgia: Requires $25,000 per person and $50,000 per accident for bodily injury liability, along with $25,000 for property damage liability.

Auto Insurance Minimum Coverage Requirements – By State

State Requirements
Alabama $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
Alaska (Car insurance is optional for certain remote residents) $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $25,000 property damage liability per accident
Arizona $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident
Arkansas $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
California $15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident
Colorado $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident
Connecticut $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident
Delaware $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $15,000 personal injury protection per person $30,000 personal injury protection per accident
Florida $10,000 property damage liability per accident $10,000 personal injury protection
Georgia $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
Hawaii $20,000 bodily injury liability per person $40,000 bodily injury liability per accident $10,000 property damage liability per accident $10,000 personal injury protection
Idaho $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident
Illinois $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident
Indiana $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
Iowa $20,000 bodily injury liability per person $40,000 bodily injury liability per accident $15,000 property damage liability per accident
Kansas $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident Personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation Survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services
Kentucky $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident Or a policy with a single limit of $60,000
Louisiana $15,000 bodily injury liability per person $30,000 bodily injury liability per accident $25,000 property damage liability per accident
Maine $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $25,000 property damage liability per accident $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $2,000 medical payments coverage Or a combined single liability limit of $125,000
Maryland $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $15,000 property damage liability per accident $30,000 uninsured/underinsured motorist coverage per person $60,000 uninsured/underinsured motorist coverage per accident $15,000 uninsured/underinsured property damage coverage per accident
Massachusetts $20,000 bodily injury liability per person $40,000 bodily injury liability per accident $5,000 property damage liability per accident $20,000 uninsured motorist coverage per person $40,000 uninsured motorist coverage per accident $8,000 personal injury protection
Michigan $50,000 bodily injury liability per person $100,000 bodily injury liability per accident $10,000 property damage liability per accident outside Michigan $1 million property protection within Michigan $250,000* personal injury protection

*Lower PIP limits available for certain Medicare and Medicaid recipients.
Minnesota $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $40,000 personal injury protection
Mississippi $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
Missouri $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident
Montana $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident
Nebraska $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident
Nevada $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident
New Hampshire $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $25,000 uninsured/underinsured motorist property damage coverage $1,000 medical payments coverage
New Jersey $5,000 property damage liability per accident $15,000 personal injury protection
New Mexico $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident
New York $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $50,000 liability for death per person $100,000 liability for death per accident $10,000 property damage liability per accident $25,000 uninsured motorist bodily injury coverage per person $50,000 uninsured motorist bodily injury coverage per accident $50,000 personal injury protection
North Carolina $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $25,000 property damage liability per accident $30,000 uninsured motorist coverage per person $60,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage per accident
North Dakota $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $30,000 personal injury protection
Ohio $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
Oklahoma $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
Oregon $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $15,000 personal injury protection
Pennsylvania $15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident $5,000 medical benefits
Rhode Island $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
South Carolina $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage
South Dakota $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident
Tennessee $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident
Texas $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $25,000 property damage liability per accident
Utah $25,000 bodily injury liability per person $65,000 bodily injury liability per accident $15,000 property damage liability per accident $3,000 personal injury protection
Vermont $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $50,000 uninsured/underinsured motorist coverage per person $100,000 uninsured/underinsured motorist coverage per accident $10,000 uninsured/underinsured motorist property damage coverage per accident
Virginia (Minimum limits if a driver purchases car insurance, which is optional. Drivers who don’t purchase insurance pay a $500 fee.) $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $20,000 property damage liability per accident $30,000 uninsured/underinsured motorist coverage per person $60,000 uninsured/underinsured motorist coverage per accident $20,000 uninsured/underinsured motorist coverage per accident
Washington $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident
Washington, D.C. $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $5,000 uninsured motorist property damage coverage per accident
West Virginia $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $25,000 uninsured motorist property damage coverage
Wisconsin $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident
Wyoming $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident

Unique State Policies

  • New Hampshire: Does not mandate traditional auto insurance but requires proof of financial responsibility to cover at-fault accidents. If you opt for insurance, the minimums are similar to other states with liability coverage.
  • Virginia: Drivers can opt out of carrying auto insurance by paying an “Uninsured Motor Vehicle Fee” of $500 annually to the DMV. However, this fee does not provide any insurance coverage.

Penalties for Non-Compliance

  • License Suspension: Most states, such as Florida and Georgia, will suspend your driver’s license if you fail to maintain the required insurance.
  • Fines and Fees: They can impose fines that can escalate with subsequent offenses, and there may also be fees for reinstating your license after suspension.

Self Insurance

Self-insurance is setting aside your own money to pay for possible losses, instead of purchasing insurance. The following states accept this type of arrangement instead of third-party insurance:

States allowing self-insurance Self-insurance minimum requirements
California$35,000 cash deposit or surety bond.
Connecticut$50,000 cash or its equivalent for first vehicle, $60,000 for the second vehicle, $65,000 for the third and $70,000 for the fourth.
Florida$40,000 in unencumbered net worth.
Georgia$50,000 surety bond or security deposit and $100,000 net worth.
Hawaii$300,000 surety bond.
North Dakota$155,000 security deposit per vehicle.
Pennsylvania$50,000 in secured collateral for the first vehicle, plus $10,000 each for additional vehicles.
VermontProof of $115,000 in net worth.

How to Write an Auto Insurance Verification Letter

Step 1 – Download the Form

Get the auto insurance verification letter in PDF or MS Word format.

Step 2 – Fill in Client Information

The client starts by entering their first and last name, the third party’s name, and the purpose of the letter.

Step 3 – Provide Third Party Contact

The third-party should fill in their fax number or email address. The client’s insurance agent will complete the following details:

  • Client’s name.
  • Client’s address (city, state, zip).
  • Name of the insurance company.
  • Insurance company’s phone number.
  • Agent’s name.
  • Insurance company’s fax number.

Step 4 – Complete Insurance Details

The insurance agent must answer these questions and provide additional information before returning the form to the third party:

  • Is there liability coverage for injuries or damage to a third party? (Yes/No).
  • Does the coverage protect the insured individual in an accident? (Yes/No).
  • Does the coverage pay for damage to rental vehicles? (Yes/No).
  • Policy number.
  • Expiration date.
  • Effective date.
  • Level of Coverage:
    • Liability.
    • Collision.
    • Comprehensive.
    • Uninsured/Underinsured Motorist.
    • Personal Injury Protection.
  • Agent’s signature.
  • Agent’s printed name.

Step 5 – Submit the Form

Once the insurance details have been completed, follow these steps to submit the form:

  1. Review for Accuracy:

    • Ensure all information is accurate and complete.
    • Double-check signatures and printed names.
  2. Submission Deadline:

    • Submit the form within the specified deadline to avoid any penalties.
    • Be aware of potential delays in processing if submitted late.
  3. Submission Method:

    • Send the form via certified mail to ensure it is received.
    • Retain a copy of the submission confirmation for your records.
  4. Penalties for Late Submission:

    • Understand the potential penalties for late submission, which may include fines or delays in processing.
  5. Processing Delays:

    • Be aware that delays in processing can occur, so submit the form as early as possible to avoid complications.
  6. Contact Information:

    • If you have any questions or need assistance, contact the relevant office or individual handling the form.

Auto Insurance Verification Form Sample

Download a template below in PDF or Word format:

Auto Insurance Verification Form

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Auto Insurance Verification Form

The document above is a sample. Please note that the language you see here may change depending on your answers to the document questionnaire.

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