Guardo el seguro del carro en mi carpeta, por si el policía me lo pide otra vez.

I keep the car insurance in my folder, in case the police officer asks me for it again.

Breakdown of Guardo el seguro del carro en mi carpeta, por si el policía me lo pide otra vez.

• yo: I
• en: in
• mi: my
• me: me
• lo: it
• el policía: the police officer
• otra vez: again
• guardar: to keep
• pedir: to ask for
• la carpeta: the folder
• por si: in case
• el seguro del carro: the car insurance

Questions & Answers about Guardo el seguro del carro en mi carpeta, por si el policía me lo pide otra vez.

Why is guardo in the present tense instead of guardé or voy a guardar?

The present guardo often describes a habit or a regular action: “I keep / I store…” (as in “This is where I keep it”).

• Guardé = “I stored/put away” (one completed past action).
• Voy a guardar = “I’m going to store/put away” (a planned future action).

What does el seguro del carro refer to exactly—insurance in general or a specific document?

In many Latin American contexts, el seguro del carro commonly means the proof/policy document you show if asked (the insurance papers). Depending on the country, people may also say la póliza (de seguro), los papeles del seguro, or el comprobante del seguro.

Why is it del and not de el?

Del is the mandatory contraction of de + el:

• de el carro → del carro
  (You only keep de el if el is part of a name/title, e.g., de El Salvador.)

Is carro the same as coche or auto?

Yes, broadly. All can mean “car.” In Latin America, carro and auto are very common. Coche is more associated with Spain (though it’s understood in many places).

What does carpeta mean here? Is it a “carpet”?

No—carpeta means a folder (or sometimes a binder/file) for papers.
“Carpet” in Spanish is usually alfombra (or moqueta in some places).
Also watch out for cartera = “wallet/purse” (a different word).

Why does policía have an accent mark?

Policía is stressed on the last syllable -a (po-li-CÍ-a). Spanish marks that stress with an accent because the word ends in a vowel but is stressed on the final syllable. The accent also helps show the pronunciation.

Why does it say el policía (with el) instead of just policía?

Spanish normally uses an article where English might not. El policía here means “the police officer” in a general sense (i.e., whichever officer stops you), not necessarily one specific known officer.

Can you explain por si? Does it mean “because if”?

Por si means “just in case” (preparation for a possible situation). It does not mean “because if.”
Example pattern: [Main action] + por si + [possible situation].

Why is it por si el policía me lo pide and not por si el policía me lo pida?

After por si, Spanish typically uses the indicative to talk about a possible situation:

• por si me lo pide = “in case he asks me for it.”

Also, with pedir, you can see the difference clearly:

• Indicative: pide
• Subjunctive: pida
  In this sentence, pide is the standard choice.

What do the pronouns me lo mean, and why are there two?

They’re two different objects:

• lo = the direct object = “it” (the insurance document)
• me = the indirect object = “to me” (asked of me)

So me lo pide literally is “he asks it from me,” i.e., “he asks me for it.”

What is the word order in me lo pide? Could it be lo me pide?

The order is fixed: indirect object pronoun + direct object pronoun:

• me + lo (correct)
• lo me (incorrect)

What does otra vez add, and can it move around in the sentence?

Otra vez means “again” and implies this has happened before. It’s commonly placed at the end, but you can move it for emphasis:

• …por si el policía me lo pide otra vez. (very natural)
• …por si el policía otra vez me lo pide. (possible, more emphatic/marked)