Crowe wrote:
What if you just didn't have your card?
I never have an insurance card on me. I know who my agent is. No proof on your person is necessary.
it saved my insurance from getting subrogated to, twice, when there were uninsured or underinsured parties at fault.
I'm insured for that, too.
If one sees it as a convienence in the right situation to not deal with it personally
It's never convenient to deal with this personally. Also, should there be issues that crop up later you are SOL if you settle without using the insurance company. I think your situation is highly unique and far from the norm.
I take a picture of the card with my phone