Industry Issues | E-Commerce


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.


E_Card Enacted States081116

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 25 states that have approved laws that will allow consumers to access their insurance policy through a website.

Electronic Delivery of Insurance Information
Two-thirds of the states (34) 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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