Insurance ID card decoder

An insurance ID card is small, but every line on it has a job — at a traffic stop, at the scene of an accident, and at the DMV. Tap any part of the sample card below to see what it means and when you will need it.

The card is proof, not the policy

The ID card shows that a policy exists for a vehicle and a period. What the policy actually covers — limits, deductibles, who is excluded — is on your declarations page and in the policy itself. Keep the card in the car (or on your phone) and the declarations page where you can find it after an accident.

Three moments you will need it

• At a traffic stop: show proof when asked; a phone copy counts (Vehicle Code 16028).
• After an accident: give the other driver your insurance company's name and address and your policy number, along with your name, address, license number and the VIN (Vehicle Code 16025).
• When the DMV asks: the DMV already receives coverage reports from insurers electronically (DMV), but keep your card handy if a notice ever says otherwise.

Sources (official)

• California Vehicle Code section 16028 (carrying proof, including on a phone)
• California Vehicle Code section 16029 (penalties for no proof)
• California Vehicle Code section 16025 (information drivers exchange after an accident)
• California DMV — Insurance requirements (electronic reporting)

Card layouts differ by insurance company; the decoder describes the fields most California cards carry. Your policy documents, not the card, set out what is covered.