Massachusetts Auto Insurance Policy & Other Essential Papers

Massachusetts Auto Insurance Policy & Other Essential Papers

Fall River auto insurance policyWe talk a lot about things you should keep in your vehicle during a road trip or seasonal weather. Road flares, first aid kits, and other helpful items can make a difference when you find yourself in a bad situation. However, there are other things that you should keep with your vehicle at all times that will help you in your time of need. Essential papers and documents from auto insurance companies and government agencies will help you if you are in an accident or get pulled over by law enforcement. There may also be other instances where these documents will come in handy. While the state legally requires some documents in Massachusetts and other states throughout the country, others are not. Make sure to know the difference when deciding which documents should be brought with you and which ones can be left at home. Contact your insurance agency in Fall River if you need a copy of your Massachusetts auto insurance policy.

Vehicle Registration

The first document that you will need is a copy of your vehicle registration. Your vehicle must be registered with the state that you live in before it is operated on the road. There is a lot of debate about whether you should keep the original registration with you or make a copy. The document you receive from the Massachusetts Department of Motor Vehicles can be safely kept in your vehicle. What you should NOT keep in your vehicle is the official Title document. If your vehicle is stolen, this is all the thief needs to switch ownership to someone else legally with the state registration. The annual receipt for registration from the state that comes with your new tags is all you need to keep in the vehicle to satisfy any request from law enforcement in the event of an accident or other incident.

Proof of Insurance

Notice that this says “proof of insurance” rather than your Massachusetts auto insurance policy. You don’t need to keep the entire current policy from your Fall River auto insurance agent in your car or truck, just the slip that shows proof that you are insured. Most auto insurance companies send these out every six months or whenever your policy renews. If you ever have any questions about your insurance policy, make sure to contact Paul Sullivan Insurance Agency in Fall River to speak with a representative. If you are ever pulled over by a police officer or need to exchange information with another driver after an accident, this is all the proof that you will need to show that you are insured. It is illegal to drive in most states without proof of valid insurance.

Driver’s License

While this might seem obvious, you would be surprised to learn how many people forget to bring their driver’s license with them. Photo ID is required in all 50 states for many types of purchases and transactions, so you would think that would be enough to get people to carry it with them at all times. Make sure you keep your license in your wallet, a pocket, or a purse so that it is easily accessible. Do not leave it in your vehicle, but make sure you have it on your person. You should be able to access it easily if you are stopped without having to dig around a lot to get it.

Medical Information

If you or anyone else in your vehicle has a medical condition that law enforcement and rescue personnel need to know about so they can offer the appropriate treatment, written documentation can help. In that case, it could be a good idea to keep information about it in your vehicle or on your person. This is especially true when it comes to allergies, particularly allergies to common medications like penicillin or aspirin, and illnesses that might make you appear to be impaired in some way, such as diabetes. If you are in an accident and become unconscious, this information could save your life. Either keep it in the glove compartment where it can be easily found or in your wallet next to your photo ID or driver’s license.

Owner’s Manual

This might sound like something you will never need, but there could be an instance where you require this information if you breakdown on the side of a road and need to make a quick adjustment or repair. Knowing where to place the jack when changing a flat tire is also helpful or figuring out how to turn on certain lights or features that you have not used yet in a new vehicle can also be beneficial in bad weather or on a trip. While much of this can be looked up on the internet with the make, model, and year of your vehicle, if you are in a location with no service, having that owner’s manual available could be a lifesaver.

Quality Fall River Auto Insurance

Get a FREE quote for quality coverage at Paul Sullivan Insurance Agency in Fall River. As an independent insurance agency, we work with top auto insurance companies to offer our customers the best coverage at the best price, according to their needs. Contact our team about your Massachusetts auto insurance policy or with any questions about coverage by calling 508-678-9611. We have offices in Fall River and Wareham to provide comprehensive service to our customers throughout Southeastern Massachusetts.

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