How to find a insurance policy number?

However, many people aren’t sure how to read an insurance card or where to find certain important numbers. In this guide, you’ll find everything you need to know about the common elements of an insurance card.

Insurance cards may contain different information based on the insurance company and type of plan you choose. Most cards include the seven following details.

Most insurance cards include your name and policy number. If you're covered under your spouse or parent's plan, your card may include their name, too.

The policy number on your insurance card is a unique code associated with your insurance plan. Your insurance company uses your policy number to track and process insurance claims and healthcare costs. Policy numbers may also be referred to as a subscriber ID or member ID number.

Typically, you can find your insurance policy number on the front of your card. It may be marked as “Policy #” or “Policy ID.” If you’re unable to locate your policy number, reach out to your insurance provider for more information.

Still not sure about the difference between your policy number and member ID? These terms are often used interchangeably to refer to the code assigned to your insurance policy. As a result, you may see one term on your insurance card and not the other.

If you have insurance coverage through an employer, your insurance card will likely have an insurance group number, also known as a group plan number.

Like your individual policy number, the group number on your insurance card is a code assigned to your employer’s insurance plan. Insurance group numbers help insurance companies identify the benefits included in your employer’s plan and process claims effectively.

The coverage amount refers to how much of your healthcare costs your insurance company will pay. You can usually find this information on the front of your insurance card.

Coverage amounts may be listed as fixed dollar amounts or percentages, such as 25%, 50%, or 75%. Often, several amounts are listed together and may correspond to different types of treatments or office visits.

You may also see additional information regarding copays and in-network or out-of-network care. Let’s take a closer look at each.

A copay is a fixed dollar amount you’re required to pay out-of-pocket for certain types of care or treatments. Also known as a copayment, copays vary based on the type of plan you have, the kind of treatments you receive, and whether you use an in-network or out-of-network provider.

You can typically find copays listed on the front of your insurance card. For instance, you may have to pay $25 for a routine dental cleaning with an in-network provider or $50 for additional services, like X-rays, fillings, or crowns.

Your insurance card may list two coverage percentages, based on whether you choose an in-network or out-of-network provider. In-network providers are those who have a contractual agreement with your insurance company to provide lower-cost services and treatments. Visiting an in-network provider is often less expensive than an out-of-network provider.

You can still see an out-of-network provider if you choose to do so. However, you’ll likely pay more for out-of-network care. Contact your provider for more information on in-network and out-of-network providers, along with the costs associated with each.

Depending on the type of insurance policy you have, your provider may pay for some or all of the cost of prescription medications. In this case, you may find an Rx category on your insurance card.

Not all cards have an Rx category. If yours does, it’ll list the dollar amount or percentage your insurance company will pay for each prescription. If not, you can contact your insurance company to learn more about coverage and associated costs.

An RxBin number is used to route prescription claims to the correct insurance provider. These codes make it easier for healthcare providers, clinics, hospitals, and pharmacists to identify your insurance carrier and submit a claim.

Finally, you can find your insurance provider’s contact information on the back or bottom of your card. This information is useful to have in case you need to:

If you are wondering how you can identify a car insurance company with only a policy number, this guide will help you figure out how feasible it is to do so. Unfortunately, it is very hard to find an insurance company based solely on a policy number. However, doing so is possible in some states where DMV codes are easier to look up.

We understand that searching for car insurance can be overwhelming, which is why our experts reviewed the best car insurance companies.

You can sometimes find an insurance company with only a policy number, but this will not always be the case. In many situations, it will be difficult to do, if not impossible.

That is because there is no master database with insurance policy numbers and drivers. Each state’s Department of Motor Vehicles (DMV) keeps this information. However, knowing the state that the policy is registered in is not always enough since privacy laws protect the information.

You should know that insurance policy numbers vary by state and company. They are also specific to each driver.

Unfortunately, the best option to find an insurance company with just a policy number is to call various providers in your area. You can give the company the number and ask if it matches one of its insured drivers.

You will not find this information on any insurance company’s website. Because of privacy laws, the information is not searchable on insurers’ websites. Your only option in most cases is to call companies directly and ask a representative.

Remember that the company will not tell you any information about the driver. This is a matter of privacy for the policyholder. However, the company may confirm that the policy number is associated with one of its clients. Not all companies will do this, though, as the auto insurance policy number is similar to an account number, so privacy rules may apply.

No one wants to spend countless hours calling around to various companies in hopes of finding the right company to provide them with the information they are seeking. As such, your Department of Motor Vehicles is the best resource for finding insurance company codes since each state’s DMV is responsible for holding this information.

Although DMVs do not list the full database of individual policy numbers for privacy reasons, some will list codes for various auto insurance companies. The challenge is that most states do not have public lists of codes for all insurance companies.

If you are in New Jersey or New York, you are in luck, as these state DMVs make it easy to find the relevant company codes. You can do a quick online search for your state to see if these codes are readily available. You can also try calling your local DMV to ask about state codes.

If you live somewhere that you can find the codes, look at the beginning of the policy number. If it matches with one of the codes on the state’s list, then you have found the right insurance provider.

You should also keep in mind that this method will only work if you know that the insurance policy is from your state. You could theoretically check several nearby states as well, but that can quickly become time-consuming.

Nearly every time that you want to find someone’s insurance company based on their policy number is because you have been involved in a car accident. You likely got some information from the driver at the time of the accident, but then realized too late that you didn’t have enough to make a proper claim.

Assuming that is the case, getting the police report from the accident can give you the information you need. Remember that part of the job of a responding officer is to get all of the relevant information at the scene of the accident. Once you identify yourself, they will likely be able to help you by sharing that information that should be stored in their system.

If you aren’t sure whether anyone made a police report for your accident, consider contacting the police department anyway. They can at least tell you if there is an official report that was filed. If there is no report, you can move on to another option.

You may not realize it, but looking up insurance information based solely on a policy number is not the easiest route to take. It is actually easier to get the information from a license plate number.

The great thing about getting the information from a license plate number is that you can use this method even if the other driver drove away after the accident without sharing their information, or didn’t have their policy number or ID card handy.

You don’t even have to do any research when using the license plate number, as your insurance agent will completely handle it. Just give the agent the number, and they will do the rest as part of their investigation into your claim. This is also the case for independent agents.

Sometimes, you will be in an accident with someone who drives away from the scene. If this happens, chances are you didn’t get enough – or any – information.

If you don’t have enough information to file an insurance claim, let the insurance agent know. Part of the job of the claims adjuster is to thoroughly research the accident as much as possible.

If the agent cannot find enough information for you to make a claim, you can still be covered if you have uninsured motorist insurance. That type of insurance is specifically for hit and run incidents, and you may have it even if you don’t have full coverage insurance.

If you ever find yourself in a situation where you are trying to find the insurance company based on the policy number, you will likely resolve to never put yourself in this scenario again. There are a few things you can do to prevent this in the future.

Start by always getting as much information as you can immediately after a car accident. Ideally, take pictures of the other driver’s license plate, proof of insurance – like the insurance card – and VIN number (vehicle identification number). You may even want to take a picture of the other driver’s ID card. You should also get the following information from the other driver:

You should always file a police report whenever you have the option to do so. This will create an official record of the incident and help save the information for future reference if needed.

To make sure you get covered even if you can’t find the other driver’s insurance company, you want the best auto insurance policy from a top provider. After extensive research, our team found GEICO, USAA, and State Farm to be the best options.

GEICO earned a 9.1 overall rating from our expert team. This reflects a 9.8 for industry reputation, an 8.5 for coverage, a 9.4 for cost, and 9.0 for customer experience.

Our team awarded USAA an overall rating of 9.6. This includes a 9.3 for industry reputation and customer experience, and 10.0 for cost, plus a 9.5 for coverage.

State Farm earned a 9.1 out of 10.0 overall. This reflects a 9.9 for industry reputation and a 9.0 for coverage and cost. State Farm also earned an 8.8 for customer experience.

Are you wondering, “What’s my policy number?” Auto insurance companies assign policy numbers to each and every policy that they issue. Just like an account number, the car insurance number is an identifying sequence of letters and numbers that can be used to pull up your account or to make payments.

Your proof of insurance card provides proof of the valuable coverage you need for you and your car. It’s also important to have your full policy number if you need to contact your customer service agent or if you’re planning on submitting a cancellation request after comparing premiums.

Compare car insurance rates now by using our FREE tool above. Just enter your ZIP code to get started today. By comparing insurance quotes from multiple companies you may find a more affordable car insurance rate.

How do I find out my car insurance policy number? Can you find your policy number online? Below, we’ll explore four places to look for finding a car insurance policy number:

Your car insurance declaration page is the most detailed policy document that you’ll receive.

It includes all of your personal information, your vehicle information, your coverage information, the length of your term, the coverages that you’ve elected to carry, and the discounts you’re receiving.

The number itself will typically be labeled, “policy number,” but some companies might reference it as an account number.

Whether it’s only a sequence of numbers or letters and numbers combined depends on the company you’re doing business with.

Finding your insurance policy number may be as simple as just looking at your car insurance card. Your declaration page might be the first place that you look for your policy number, but you typically don’t take the declaration page with you on the go.

If you’re away from home and you don’t have access to this policy document, you can also find your policy number on your insurance member ID cards.

Auto insurance ID cards, which also go by “proof of insurance,” are smaller pieces of paper that you’re required to carry with you in each vehicle.

These cards show that you have insurance and who you’re insured with. The cards don’t include all of the information that’s on your declaration page, but they do include your policy number and term.

It can get a bit confusing when you’re looking for your policy number on a billing statement just like your life insurance policy. That’s because of how some auto insurance companies handle payment plans.

If you’re planning to pay your policy in full, your actual policy number will be on the billing statement. If you pay monthly, however, things can get confusing.

This is the case with one of the largest providers in the country going by the name of State Farm. If you have a payment plan, the account number on your statements might not be your policy number.

If you’ve lost all of your policy information and you don’t have your policy number saved on your phone or another mobile device, you can call your insurer and ask them to provide it to you.

Before the company will give you the number you’ll need to provide the following:

You can also ask your insurance agent to send you your policy documents since you’ve misplaced them.

Some companies won’t charge you for a copy of your declaration page and ID cards but others will. See if you can have them emailed to you free of charge so that you can print them yourself. Or you may be able to get the number through your insurance company’s online access portal.

If you’re not the most organized person, it might make sense to just keep electronic ID cards in your email or stored on your phone.

This option ensures that you’ll always have access to your policy number. The only states that don’t allow electronic proof of insurance are Connecticut and New Mexico. Washington D.C. doesn’t accept electronic ID cards as valid proof either. In these states, you will need to carry your car insurance certificate with you.

If you’re interested in switching carriers to save money, now is the time to price the cost of coverage. Use an intelligent online quoting tool to find out how much each of the leading carriers will charge you.

Once you have the cost comparison, you can effectively make the switch to save the biggest amount of money. We hope this guide on how to find the policy number for your insurance has been helpful.

Enter your ZIP code in our FREE tool below to compare car insurance rates now!

Sometimes, it seems life is just a series of account numbers and usernames: You’ve got your bank account, gym membership number, cell phone plan — and the list goes on. So it’s no surprise that insurance comes with its own account system, too.

For every insurance policy that you have, your insurance provider will also assign you an eight to ten digit string of numbers and letters that identifies the account. This number — known as the insurance policy number — is what you use to make payments, file claims, or review your account information. In short, it’s a unique numerical sequence that identifies your account.

And that policy number is pretty darn important. In general, you’ll need to provide your full insurance number when:

And while car insurance policy numbers look the same as any other policy number, there are a few more instances when you might be asked to provide that number.

While we don’t expect you to have your auto insurance policy number memorized, you’ll want to know how to find it — and fast. Here’s are a few common scenarios when you’ll need your car insurance policy number:

While most of us rarely need our insurance policy cards day-to-day, when we do have to find those details, we need them pretty urgently. And just like identifying your closest exit on an airplane, it’s useful to know where your policy number is located well before an emergency.

One of the first places to look for your insurance policy number is on your insurance card, which has information about your coverage. While ID cards vary in look depending on the provider, they all contain the insurance policy number.

If you own more than one car, you can either choose to have the vehicles listed on one policy or open a different policy for each. Usually, insurance companies issue two cards for each policy. This means that if your car insurance covers two vehicles, you’ll get two cards for each car. All the cars included under one policy will share a policy number, whereas cars on different policies will have their own unique numbers.

You must carry your auto insurance card, either physically or digitally, while driving your car. You should keep one card in the vehicle or your wallet, and the other somewhere secure for safekeeping.

Your monthly billing statement will list your policy number at the top of the page — so it’s good practice to keep old statements, and not just for your financial records. But while we’re on the subject: we’re often asked how long insurance-related records should be stored, and the truth is that longer never hurts, especially if you store them digitally in your Marble wallet.

That’s a bit vague, we know, but we do recommend having copies of your insurance ID cards, declaration page, claim documents (if any), and your three most recent billing statements on hand at all times. And we’d suggest holding onto all documents for at least four months after a policy has been terminated.

Your policy paperwork is the most detailed information that you’ll receive from your insurance provider. It contains your personal details, vehicle identification number, information about the rate and deductibles, coverage benefits, and insurance duration, to name a few.

Your policy number will be on the top of the declaration page, which means you don’t have to sift through the entire policy package to find it. Don’t be surprised if the policy number is labeled ‘Account Number,’ since some providers use the two terms interchangeably.

If you still can’t find the policy number, contact your insurance company’s customer support team. You may be able to do so online or through your carrier’s mobile app. You can also call your provider directly. An agent will be able to assist you in locating the policy number, but to do so, they will need to verify your account for security reasons — and they may even ask you to confirm your date of birth, address, or other personal details.

Before you hang up, let your agent know if you misplaced your insurance documents and would like to request a copy for future reference. Some companies may charge you for the new policy documents, but you can ask to have the documents sent digitally, which might eliminate some fees.

You can find your policy number on your insurance card or on bills and statements associated with your insurance account. It may also be available in your online insurance portal or mobile app. Your account number will typically be between nine and 13 digits and could contain both numbers and letters.

• Policy Document.
• Insurer's Website/ Mobile App.
• By Vehicle Number.
• Via Insurance Agent.
• Telephonic Assistance.
• Visit Nearest Branch of the Insurance Provider.
• Insurance Information Bureau (IIB)