What if the owner gave me an expired insurance card and won’t provide the updated policy and I was driving

If you are driving a car that belongs to someone else in the State of Minnesota, you will be able to use that driver's auto insurance to provide you with coverage for an accident that you are at fault in. If the owner of the car is not willing to provide you with their current auto insurance information, but you do have access to an expired insurance card, then you have options to get the information needed.

Once the accident has occurred, and a police report has been filed, you will be able to get the insurance information needed from the auto insurance provider. You will be able to call the number on the expired card to check to see if the auto insurance policy has been renewed. If it has been renewed, then it will not be an issue and you will be able to get all insurance information you need from the insurer.

If the policy has not been renewed and the owner of the car switched insurance, it could be trickier. Fortunately, if the case was to go to court, the court system will obligate the owner of the car to provide current auto insurance information. Once this is achieved, all parties involved will be able to work together to find a financial resolution.