Anyone who needs instant proof of insurance has probably been caught driving with insurances and need it to get their license or registration reinstated. All states have laws requiring insurance to be maintained or some form of proof of financial responsibility. If you opt for the most common option you will be required to carry an car insurance proof card in your vehicle at all times.
As stated above, all states require proof of financial responsibility. Car insurance is the most popular form chosen. Since this is the case, it is important to educate yourself on the types of liability that is necessary. Bodily injury and property damage liability are two that all states require. These take care of any injuries or repair costs suffered by the other driver or passengers. There are states that also require you to carry uninsured or personal injury insurance coverage. Uninsured motorist liability gives you and those riding with you protection in case you are involved in an accident with an uninsured driver. Personal injury protection pays for time lost at work, injuries related to the accident and any pedestrians that may have been injured.
Proof of insurance is required any time you are pulled over for a traffic stop or involved in an accident.
Purchasing a new car requires proof of insurance as well.
If you are required to carry an SR-22, it means that the insurance company considers you a very high risk. Drivers required to obtain this insurance have often had numerous accidents or have received convictions for driving while intoxicated. You may be required to carry a new insurance policy in addition to the SR-22. An SR-22 is not insurance. It is merely a form that is goes on your driving record.
If you need proof of insurance now, there are insurance companies that will let your print your insurance card directly from their website.