I got pulled over and the cop forgot to return my insurance card. What should I do?

Don't panic. The first thing you should do is check your policy. Many insurance companies will include multiple copies of the insurance card in the policy. This is done because some states require that you have a copy of the insurance card on your person as well as one located in the glove box, even though the officer will never ask you for both copies when you are pulled over. The reason for having two copies is to make it easier and faster for you and your car's insurance to be located in the event of a serious accident.

If you are fortunate enough to have the additional cards, you should still contact your insurance agent to get a replacement for the one that has been lost. If your car insurance company maintains a website, you can probably print out a copy of your insurance card any time you want. Otherwise, call your insurance company or stop by their offices. Getting a replacement card will not cost you any money, and can be printed out for you in only a few minutes, allowing you to be on your way without any hassle.

In a majority of states, the officer already knows whether or not you have auto insurance before he steps up to your window. If you are stopped again before you are able to get a replacement for the lost card, explain what the situation is to the officer. You may still receive a ticket for driving without proof of insurance, but the court will drop the charge if you have obtained a copy of the card by the time you go to court.