46 States Allow Drivers to Show Proof of Insurance Electronically
Policyholders in 20 States can Access Insurance Information through E-Card, E-Delivery and E-Posting
State legislatures and governors have been busy updating insurance codes in recent years. Forty-six states now have ecard laws or regulations enabling consumers to show proof of insurance using their cell phone. Massachusetts does not have ID cards and New Hampshire does not require insurance so there are only three states left in the country that do not allow electronic proof of coverage: Connecticut, DC and New Mexico.
PCI is a strong advocate for new laws and regulations that will give insurance customers more choice, convenience and flexibility in managing their insurance. Now there is a growing number of states that are embracing the idea of allowing consumers to have greater electronic access to their insurance information including the use of smartphones to display proof of insurance, customers receiving insurance document digitally and allowing to post generic policy forms and endorsements online in lieu of mailing paper documents.
20 states have taken action to expand access to insurance information by adopting electronic posting of insurance policies, electronic delivery of insurance information and allowing drivers to use electronic proof of insurance. The following outlines the progress being made on this issue. 34 states allow electronic delivery of insurance documents and 25 states all insurance documents to be posted and accessed on a website.