Typically, a lien holder will require you to have the state minimum liability coverage on your vehicle, plus list them as an “additional insured.” The insurance company should then list your lien holder on your insurance policy if you provide this information, and they will send a declarations page to the lien holder normally.

Any lien holder, additional interest, or loss payee will receive notification of insurance. A copy of the declaration and/or any policy status forms are mailed to them. In addition, each insurance company’s service department can provide a faxed or replacement copy of any proof if the lien holder needs additional proof. You should not need to request any documents to be sent to the lien holder, it is an automatic process.

 — Michelle Megna contributed to this story.

author image
Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.