Can you show proof of insurance on your phone in Michigan?
Asked by: Ceasar Hodkiewicz | Last update: January 17, 2026Score: 5/5 (11 votes)
Can you use digital proof of insurance in Michigan?
If an individual displays an electronic copy of his or her certificate of insurance using an electronic device, the police officer shall only view the electronic copy of the certificate of insurance and shall not manipulate the electronic device to view any other information on the electronic device.
Can you use your phone to show insurance?
Can you present digital proof of insurance? Yes, you can provide a picture of your vehicle's insurance information. California Vehicle Code 16028 states, “The evidence of financial responsibility may be provided using a mobile electronic device.”
Do you have to have a paper copy of car insurance in Michigan?
All drivers must be able to provide Michigan proof of insurance to verify that their own motor vehicles are covered by a valid No-Fault auto insurance policy that will provide PIP benefits coverage and bodily injury liability coverage in the event of a car accident. It takes the form of a “certificate of insurance.”
Do you need to carry proof of insurance in Michigan?
A SUMMARY OF HOUSE BILL 4995 AS INTRODUCED 9-18-13
Under the Insurance Code, generally speaking, auto insurance coverage is mandatory for the operation of a motor vehicle. Under the Vehicle Code, drivers must show proof of insurance at the request of a police officer.
How to Get Proof of Insurance (How to Show It)
Do I need to print out proof of insurance?
Nearly every state and the District of Columbia allow electronic proof of insurance. Massachusetts is the only state that doesn't require drivers to carry proof of insurance since state laws require insurance information to be printed directly on the car's registration.
Do I need to carry my insurance cards with me?
You only need to carry these cards in your wallet if you're heading to an appointment where you might need them. Even if you wind up in the emergency room without your insurance card, the hospital will still treat you; they'll just get your insurance information later.
Can someone drive my car if they are not on my insurance in Michigan?
In Michigan, generally, if you let someone else drive your car they are typically covered by your insurance policy as long as you give them permission, they have a valid Michigan driver's license and own a vehicle that is registered and insured in Michigan and aren't excluded from your policy.
What to do if you lost your car insurance paper?
Request a temporary insurance card or proof of coverage from your insurance company. Explore digital insurance card options, like a mobile app provided by your insurance company. Also consider making digital copies or screenshots for immediate use, just in case you need your card before you get a replacement.
How much is a ticket for no proof of insurance in Michigan?
Guilty of a misdemeanor: If you drive without insurance in Michigan, you are guilty of a misdemeanor. (MCL 500.3102(2)) Fine of $200 to $500: If you are convicted of driving without insurance in Michigan, you “shall be fined not less than $200.00 nor more than $500.00” and/or sent to jail.
How to get proof of insurance on your phone?
How to Get Proof of Insurance on Phone. First, check with your insurance provider to see if they offer a mobile app or digital platform. If they do, you just need to download the app, and log in. For those without an app, you can often access your insurance documents through your provider's website.
Can I use insurance on my phone?
Yes. If your phone needs to be repaired or replaced because of a covered event, you pay your plan's deductible, and the insurance company covers the rest. The minimum deductible on plans offered through Progressive is $50.
Where to keep a car insurance card?
Consider this: you're asked to show proof of auto insurance at a traffic stop and you have to hand the officer your unlocked phone. It's always best to keep a paper copy of that insurance card in your glove compartment or console.
Is proof of insurance on phone ok?
Chances are you have the insurance information on your smartphone, but you did not have the physical card or policy to show the police officer. California allows drivers to use their smartphones to provide electronic proof of insurance without carrying around paper documents.
How many points is driving without insurance in Michigan?
Points on Driving Record: Driving without insurance can result in points added to one's driving record. In Michigan, this is typically 6 points. Increased Insurance Premiums: After a violation, when the driver seeks to get insured again, they may face increased premiums due to the perceived risk by insurance providers.
How many states allow digital proof of insurance?
In most states, yes. Forty-nine states and the District of Columbia permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop. New Mexico is the only state where electronic proof of insurance is not explicitly accepted.
Does proof of insurance need to be printed?
As of October 2022, 49/50 states and Washington D.C. allow for digital proof of auto insurance rather than a printed paper ID card. The only state not currently included is New Mexico which means in Oklahoma it is perfectly acceptable, and legal, to use an electronic copy on your phone.
What happens if you lose your car insurance?
If your car insurance is canceled, you're no longer legally allowed to drive in most states until you secure a new policy. To reinstate your coverage, you'll need to purchase another insurance policy. Failing to do so could lead to fines or even license suspension if you're pulled over.
Can I use a picture of my health insurance card?
Can I use a picture of my health insurance card? Yes, in many cases, you can use a health insurance card picture for verification during medical visits. However, check with your healthcare provider, as some may still require a physical or digital insurance card.
Can my wife drive my car if she's not on my insurance?
A driver who lives in your household and isn't listed on your auto policy may be denied coverage if they borrow your vehicle and are involved in an accident. Family members who live in your household and drive your vehicle, including a teenager or your significant other, should be listed as drivers on your policy.
Does insurance follow the car or the driver in Michigan?
In Michigan, generally the answer to the question of does insurance follow the car or the driver is that auto No-Fault insurance coverage will follow the driver, but depending on the contract language of your policy, it can also follow the vehicle. Liability exposure will almost always include both.
Can my son drive my car if he is not insured?
Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.
Can I go to the ER without my insurance card?
If you have a serious medical problem, hospitals must treat you regardless of whether you have insurance. This includes situations that meet the definition of an emergency. Some situations may not be considered true emergencies, such as: Going to the ER for non-life-threatening care.
What happens if you don t have your insurance card in your car?
If you don't have proof of insurance, you'll likely receive a citation, which will be added to your driving record and also include a fine and possibly some jail time. You may also have your license suspended for a set period of time or until you obtain insurance, usually with an SR-22.
How much money should you carry in your wallet?
Carry at least a day's worth of expenses
While this can vary depending on your day-to-day spending habits, Harrison recommends thinking of how much money you rely on to get through your normal 24 hours. This may include commuting expenses, such as paying highway tolls or parking fees.