{"id":3992,"date":"2019-02-21T14:06:53","date_gmt":"2019-02-21T21:06:53","guid":{"rendered":"https:\/\/www.jacksonwhitelaw.com\/az-personal-injury\/?p=3992"},"modified":"2022-09-27T12:24:52","modified_gmt":"2022-09-27T19:24:52","slug":"car-insurance-records","status":"publish","type":"post","link":"https:\/\/www.jacksonwhitelaw.com\/az-personal-injury\/blog\/car-insurance-records\/","title":{"rendered":"How Long Should I Keep My Car Insurance Records?"},"content":{"rendered":"
Staring at a cluttered desk wondering what\u2019s safe to throw away? You\u2019re not alone. Most Americans hold on to far more \u201cimportant documents\u201d than they need to, winding up with a filing cabinet filled with junk. Then, when they actually need to find one of those important documents, it\u2019s nearly impossible to find amidst all of the unnecessary clutter.\u00a0<\/span><\/p>\n Fortunately, the list of important documents you should keep is relatively short. Of those, only a handful should to be held until the end of time. Most are fine to cycle out after a reasonable period of time.<\/p>\n When it comes to car insurance<\/a>, the only thing you need to keep is your most current insurance policy. Specifically, the policy declaration page is important to keep on hand to use as a reference for a coverage summary. This is typically summarized on the first page of you insurance policy, and includes:<\/p>\n Your declaration page isn\u2019t meant to explain every detail of your car insurance. Rather, it\u2019s an easy-to-understand summary that you can reference when you have questions. If you need to dig deeper into your insurance policy, speak with your agent or call customer service.\u00a0<\/span><\/p>\n While you should retain a copy of your car insurance declaration page, keep in mind that insurance companies are required to maintain current electronic copies of your full insurance policy. If you find yourself in a pickle and can\u2019t locate the declaration page, the insurance provider should be able to provide you with an electronic copy. When you receive a new policy packet (typically every 6 months when the policy renews), feel free to trash the old one unless you have a pending claim.<\/p>\n A car insurance policy is a contract between you and your insurer. In return for paying your premiums, the insurer protects you from financial loss from the time the policy is issued until the policy expires. Your policy will outline what the insurance company is responsible for, what is covered, and what exclusions are in place.\u00a0<\/span><\/p>\n When you make a claim, the insurance company will reference the policy you have in place and its terms. This is why it\u2019s important to know what is covered and have a copy of your policy on hand — so you can review your policy benefits before making a claim. If the insurance company denies your claim, you can reference a specific policy clause when making an appeal.\u00a0<\/span><\/p>\nCar Insurance Records<\/h4>\n
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Why Do You Need a Copy of Your Car Insurance?<\/h4>\n
When to Keep an Old Insurance Policy<\/h4>\n