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E-Commerce

Nevada Enacts E-Delivery and E-Posting Legislation; South Carolina Enacts E-Delivery

Policyholders in 23 States can Access Insurance Information through E-Card, E-Delivery and E-Posting

Nevada (AB 455) and South Carolina (HB 3488) recently enacted new laws to give consumers the choice to receive their insurance policies, documents and consumer notices electronically. The Nevada legislation also enables insurers to post standard policy forms and endorsements online in lieu of mailing paper documents. Nevada becomes the 23rd state 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.

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.

The following outlines the progress being made on this issue.



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Electronic Posting of Insurance Policies
PCI supports legislation that allows consumers to view their insurance policy as well as other documents and information online. There are currently 24 states that have approved laws that will allow consumers to access their insurance policy through a website.

Electronic Delivery of Insurance Information
Currently 37 states have adopted legislation that enable insurers to conduct all policyholder transactions over the internet with the consumer’s consent.

Electronic Proof of Insurance
There are now 46 state with e-card laws or regulations that allow drivers to show evidence of insurance with their smart phone during a traffic stop. In 2011, no states allowed drivers to use their cell phone to show proof of insurance in a traffic stop and today more than three-fourths of the states have enacted laws or adopted regulations.

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