American Property Casualty Insurance Association
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Jeffrey Brewer







March 14, 2014

Iowa Gov. Branstad Signs Legislation with E-Posting and E-Delivery of Insurance Information

DES MOINES, Iowa- Iowans will soon have greater access to their insurance information as Governor Terry Branstad signed legislation (SF 2105) today that will allow consumers to view their policy documents online and enable insurers to conduct all policyholder transactions over the internet with the consumer’s consent, according to the Property Casualty Insurers Association of America (PCI).

These provisions providing for electronic posting and delivery of insurance information are part of a larger bill containing various matters involving Iowa’s Division of Insurance and they take effect July 1, 2014. While many businesses take full advantage of providing consumers with electronic access to their information, insurance regulations have restricted insurers from providing many of these consumer services. This bill allows policyholders to conduct much of their insurance business with their insurer over the internet rather than through the mail. Some of the activities consumers will be able to do online includes making changes regarding their policy, signing documents, adding coverage, and paying bills.

“Iowa is taking the right steps in allowing consumers to access their insurance information via e-mail or online,” said Ann Weber, vice president, state government relations for PCI. “We live in a world where everything is paperless, and giving the consumer the option to review or renew their policies online gives consumers more flexibility and choice. Governor Branstad and Insurance Commissioner Nick Gerhart continue to demonstrate strong leadership in creating an environment that fosters a competitive insurance marketplace that benefits consumers. Each year more public policymakers across the nation see the benefits of having insurance policies and other information electronically available to consumers and the number of states enacting this type of legislation grows.”

With Iowa taking action, there are 14 states (Alaska, Arizona, Florida, Illinois Iowa, Kansas, Michigan, Minnesota, Missouri, Oklahoma, Pennsylvania, Texas, Virginia and Wisconsin) that have approved laws that allow consumers to access their insurance policies through a website.

A total of 18 states (Arkansas, California, Delaware, Florida, Idaho, Iowa, Kansas, Kentucky, Maryland, Minnesota, Missouri, North Carolina, Pennsylvania, Tennessee, Texas, Virginia, Wisconsin and West Virginia) allow electronic delivery of documents and notices.

PCI is composed of more than 1,000 member companies, representing the broadest cross-section of insurers of any national trade association. PCI members write over $195 billion in annual premium, 39 percent of the nation’s property casualty insurance. Member companies write 46 percent of the U.S. automobile insurance market, 32 percent of the homeowners market, 37 percent of the commercial property and liability market, and 41 percent of the private workers compensation market.