Add Your Vehicle To Direct Auto Insurance

If you've recently bought a new or used car, you'll need to register it with your state's Department of Motor Vehicles (DMV) or transportation agency. The process for registering your car varies depending on whether you bought it from a dealership or a private seller, and whether you're registering it for the first time or renewing your registration. Dealerships typically handle the registration process, so you can drive off with a temporary plate while you wait for your official registration and license plate to arrive in the mail. If you bought your car from a private seller, you'll need to visit your local DMV to register the car yourself and provide proof of ownership. You'll also need to present a few documents, including proof of car insurance, your driver's license, and the vehicle's certificate of title.

Registering a new or used car

Registering a New Car

In most cases, when you purchase a brand-new vehicle, the dealer will arrange for its registration. However, if they do not, you will need to register it yourself. Here are the steps to follow:

• Complete Form V55/4: This form is used to register new vehicles, including imported new vehicles and newly-built (kit) cars. Send in a photocopy of your photocard driving licence with your application form to prove your identity. If you cannot provide this, send photocopies of one document proving your name and another proving your address.
• Provide Supporting Documents: Along with the application form, you must submit copies of specific documents. These include payment for vehicle tax, a new registration fee of £55 if applicable, a certificate of newness or declaration of newness for imported vehicles, and proof of vehicle approval if the car is under 10 years old (unless exempt).
• DVLA Inspection and Log Book Issuance: After submitting your application, the DVLA may need to inspect your vehicle. If your application is approved, they will send you a vehicle log book (V5C). This typically arrives within 4 weeks of registration.

Registering a Used Car

When purchasing a used car, the seller often handles the registration. However, if the vehicle does not have a vehicle log book (V5C), you will need to register it yourself. Here's what you need to do:

• Obtain Essential Information: Before registering, ensure you have the vehicle's registration number, make, model, and MOT test number. It is crucial to verify these details against the DVLA's records.
• Download Form V62: If the vehicle lacks a V5C, you must download and complete Form V62. Send it to the DVLA, along with the "new keeper" slip from the previous owner. A fee of £25 may be applicable.
• Tax and Insure the Vehicle: Before using your newly registered used car on the road, you must tax and insure it. Check how much you need to pay for vehicle tax and ensure you have the necessary insurance coverage.
• Receive Your V5C: You will typically receive your new V5C within 4 weeks of registration. If it's a used vehicle registered online, you may receive it within 3 to 5 days.

Please note that specific requirements and processes may vary depending on your location. The above instructions provide a general framework for registering a new or used car. Always refer to your local government's website or relevant authority for the most accurate and up-to-date information.

Getting proof of car insurance

If you need to access your proof of insurance quickly, you can call your insurance company or log in to your account online. They will be able to provide you with your auto insurance card and coverage information. You can then print or download your ID card. Some companies also offer the option to fax your insurance card to you.

It's important to keep your proof of insurance up to date. You should receive a new insurance card every time your policy renews or when you make changes to your coverage. Remember to shred and dispose of your old card, and keep the new one in your vehicle. It's a good idea to keep a photograph or photocopy of your latest card in a separate place, just in case.

In most states, you can show electronic proof of insurance on your phone if you are in an accident or pulled over. However, it's worth noting that New Mexico does not accept digital proof of insurance. So, while it's convenient to have your proof of insurance on your phone, it's also a good idea to carry a paper copy as a backup.

Your proof of insurance is an important document that you should keep with you whenever you're driving. It provides details of your insurance policy and confirms that you meet your state's minimum requirements for car insurance coverage.

Vehicle registration requirements

In some states, you can obtain a license plate without insurance, but you cannot legally drive the car until it is insured. Additionally, every state except New Hampshire requires a minimum amount of liability insurance to drive. This means that you are financially responsible for any injuries or property damage you cause in an accident. In New Hampshire, you can either provide proof of financial responsibility or purchase the minimum liability insurance.

It is important to note that allowing your insurance to lapse without renewing can result in your registration being suspended. If this happens, you will need to provide proof of insurance and may have to pay a fine to reinstate your registration. The process and fees for reinstatement vary by state.

Most states offer online registration systems to make it easier to maintain valid car registration. These systems are often connected to insurance companies, which can send automated alerts to the motor vehicle administration if your insurance expires. It is your responsibility to know and comply with the specific requirements of your state regarding vehicle registration and insurance.

The car registration process

If you buy a car from a dealership, they will usually handle the title and registration process. You can drive away with a 30-day temporary plate and then receive your official registration and license plate in the mail a few weeks later. On the other hand, if you purchase a vehicle from a private seller, you'll need to visit your local DMV to title and register the car yourself. Make sure the seller properly reassigns the certificate of title, as you'll need to present this to the DMV to prove the car is yours.

Whether you're registering your car for the first time or renewing your registration, the documents you'll need are generally the same, but the specific requirements may vary by state. Most states require proof of auto insurance or financial responsibility, the vehicle's certificate of title in your name, and a driver's license or other form of identification. Some states may also require you to pass an emissions test or smog check and a vehicle safety inspection.

It's important to note that while all states require drivers to register their cars, the specific agency you'll need to register with may vary. It could be the Department of Motor Vehicles (DMV) or a transportation agency. Additionally, most states require first-time registrants and new residents to visit a DMV in person. If you're renewing your registration, you may be able to complete the process online or at a kiosk.

What to do after an accident

Being in a car accident can be a confusing and distressing experience. Here is a list of things to do after an accident to help protect your health and safety, as well as your right to seek financial compensation:

• Get medical attention: Even if you feel okay or think your injuries are minor, it's important to see a doctor. Some injuries may have delayed symptoms, and others can worsen without proper treatment. A doctor can diagnose and start treating your injuries, as well as provide documentation to support any insurance claims.
• Exchange information: If possible, ask the other driver for their name, address, phone number, and insurance information. Provide them with your information as well, but avoid discussing fault. If there are any witnesses, ask for their contact details too.
• Document the accident scene: Take photos and videos of the accident scene, including vehicle damage, property damage, traffic signs, street signs, road debris, and any visible injuries. Take photos from different angles and distances to capture as much detail as possible.
• Notify your insurance company: Contact your insurance provider and let them know you've been in an accident. You are not required to speak to the other driver's insurance company. If they reach out to you, politely decline to answer their questions and contact your lawyer instead.
• Obtain a copy of the accident report: The investigating officer will file an accident report that includes important information about the accident and those involved. This report is necessary when filing a claim for compensation. Contact the responding law enforcement agency to obtain a copy.
• Consult a lawyer: An experienced car accident lawyer can answer your questions about your rights, filing a claim, and the compensation you may be entitled to. They can guide you through the legal process and protect your interests.

Remember, it's important to remain calm and focused after an accident. By taking these steps, you can ensure your well-being and protect your legal rights.

Frequently asked questions