Just Drive Practice Test

The key idea is that proof of insurance must show actual coverage under a real auto policy. A certificate of self-insurance from the Department of Transportation indicates a regulatory status—that the company can cover claims without a traditional insurer—but it doesn’t prove that a specific vehicle has an active auto liability policy, the insured party, or the policy period. For everyday verification, that kind of self-insurance document isn’t the usual evidence of coverage, so it isn’t considered valid proof. In contrast, an insurance card that shows who is covered and the dates, or a letter from the insurer on official letterhead confirming the coverage, provide clear, verifiable evidence of actual insurance.