Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jan 25, 2022

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Just What's Essential

  • It isn’t bad if your temporary insurance card is stolen
  • You should contact your insurance company to get a replacement as soon as possible
  • You can also use a digital card on your phone or computer

Is it bad if my temporary car insurance card is stolen? You should know that it isn’t always bad if you lose your car insurance card. Your insurance company will be more than happy to send you a new card anytime. If you need proof of your affordable car insurance immediately, consider using a digital method to verify your coverage.

If you’re wondering if it is bad if my temporary car insurance card is stolen, enter your ZIP code into our free quote tool to see what you could pay for a new policy today.

Is it bad if my temporary car insurance card is stolen?

Having something stolen is a stressful experience that can make you panic, but the good news is that you can replace most things. This especially goes for your insurance card from the insurance company, which will be happy to replace your card.

If something happens to your insurance card, get in contact with your insurance company and explain what happened. While you wait for a new physical card, there are options to obtaining proof of insurance to show someone. For instance, many states allow drivers to digitally provide proof of car insurance.

If you need to provide digital proof of insurance, you can do so through your phone. One of the options to getting digital proof of insurance is to:

  • Download your insurance company’s app
  • Log in using your policy information
  • Request a digital card
  • Pull up the card on your phone anytime you need it

With this method of getting proof of insurance, you can rest easier knowing that you’ll always have proof close by. This can help if you’re pulled over or otherwise need to prove you’ve got coverage on your vehicle. Depending on your insurance company, you may have to pay $5 to $10 for multiple replacement cards.

You may be considered a high-risk car insurance customer if your car is repeatedly broken into.

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Why would you need to show proof of car insurance?

I have car insurance but no card. What should I do?

To comply with your state’s law, you must always have proof of insurance whenever you are driving the car. This can mean leaving the car insurance card in your vehicle or somewhere you’re going to be able to grab it when you need it. Some of the instances you may need to grab your proof of insurance include:

  • Fire in your vehicle
  • Pulled over by police
  • Other severe damage to the vehicle
  • To provide another party after a wreck

There are many instances when you’ll need to have your proof of car insurance nearby, so it would benefit you to keep a copy of your insurance card in the vehicle. To protect against theft, though, it might help you to keep one on your person as well.

Where can I get a new insurance card?

If you need a new insurance card, all you need to do is contact your insurer to get one sent to you. However, you usually contact your insurance company will be fine. Once speaking to an agent or other representative, express that you’ve lost your card and need a replacement.

You can also request an insurance card online if your insurer offers that option. This usually involves logging into a customer portal with your policy information and requesting that a new insurance card be sent to you.

What else should you do if your car insurance card was stolen?

If you lose your insurance card due to theft, you should take a few actions. Is it bad if my temporary car insurance card is stolen? What do I do? Once you have evaluated any damages and what has been stolen, you can:

  • Contact police to report stolen items
  • Get in contact with your insurance company
  • Request a new insurance card

Discuss your options with the insurance company if the card was stolen from your vehicle and request a new one. If you need to provide proof of insurance in the interim, consider the digital method mentioned above.

Someone else having your policy information could lead to some form of identity theft. If you’re worried about this, the Insurance Information Institute recommends getting identity theft insurance.

What should I do if my insurance card has an error?

If your insurance card has an error, you should contact your insurance company to get it sorted out. If you are pulled over and in a wreck with that insurance card, you may have difficulty proving your case. This is why it’s imperative to check your cards when you first receive them.

It should be easy to alleviate any worries, though, since you can contact your insurance company and get it fixed in a matter of minutes. Once your insurance company verifies the information, you should get a new physical and digital card that reflects your information.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Is It Bad if My Temporary Car Insurance Card is Stolen: The Bottom Line

If you’re wondering if it is bad if my temporary car insurance card is stolen, you should know that it is easy to replace insurance cards. Many car insurance companies will be happy to send you a new card through the mail. In the meantime, consider using a digital insurance card.

Now that you know it isn’t bad if my temporary car insurance card is stolen enter your ZIP code into our free quote tool to see what you could pay today.