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USA law allows a law enforcement officer the right to request proof of insurance at any time. You do not have to be involved in an accident before you may be requested to provide proof of insurance. If the operator cannot show written proof of financial responsibility, the driver shall have seven (7) days to produce such proof. Any person who is convicted of violating this mandate may be fined not more than seven hundred fifty dollars ($750), imprisoned for not more than six (6) months, or both.

Outside the United States, the specific uses of the terms insurance and assurance are sometimes confused. In general, in these jurisdictions insurance refers to providing cover for an event that might happen, while assurance is the provision of cover for an event that is certain to happen. However, in the United States both forms of coverage are called insurance .



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