Can Police Tell If You Have Car Insurance?

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   Based on my education and experience in the industry up to this point (at least in Wisconsin); the police do not have any way currently to verify if you have insurance or not except for asking for your POI when you are pulled over. I have heard that other states require a licensed driver to show proof of insurance before renewing their license or registering a vehicle which may allow the police in those states to verify the presence of insurance coverage.

   Answered on November 4, 2013

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