1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    I am not sure if you mean valid by being insured with an actual insurance company or if your premiums are up  to date and your policy is in force. You can check AM Best for ratings on insurance companies and you can call your agent to verify your policy is in force or the carrier directly.
    Answered on May 24, 2013
  2. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    I not certain what you mean by valid but, I would first suggest looking at your insurance card that you keep in your wallet or car. This will show the effect dates of your coverage. If you do not have your insurance card then call your local agent to have them look up your coverage dates for you.
    Answered on June 29, 2013
  3. 200 POINTS
    Sean Mooney
    Broker, Mooney Insurance Brokers, Philadelphia, PA
    The term "valid" might have a couple different meanings. The first might be whether or not your auto insurance policy is in force. Normally, if you have paid your premiums and you have not made any changes to your policy that would make you ineligible - your policy should be "in-force". As previously stated, you need to check your insurance ID cards or policy delarations page to confirm the effective and expiration dates for your policy. The other situation where you might find the term "valid" is if you lease a vehicle. In this case, the bank or leaseholder, which is the actual owner of the vehicle might require you, the lessee, to carry minimum liability coverage on your insurance policy. A normal amount of liability coverage that you may be required to carry would be 100,000 / 300,000 / 100,000 with deductibles for comprehensive and collision no higher than $1,000. If your policy affords coverage to meet these requirements, the leasing company would deem your coverage to be "valid". Hope this helps. -- @MooneyInsurance
    Answered on April 4, 2014
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