Property Casualty Insurers Association of America
Industry Issues | E-Commerce

E-Commerce
E-Commerce Trend Motivates Policymakers to Modernize Insurance Laws

Public policymakers are seeing the benefits of having insurance policies and other information electronically available to consumers. In recent years PCI has worked diligently to advance legislation and regulations that will give consumers and insurers more choices and more flexibility in how insurance information is accessed and serviced.

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 18 states that have approved laws that will allow consumers to access their insurance policy through a website. In 2014 Indiana, Iowa, South Dakota, Utah, and Wyoming enacted this type of legislation.
 
Electronic Delivery of Insurance Information
As of May 9, nearly half (24) of the states have adopted legislation that enables insurers to conduct all policyholder transactions over the internet with the consumer’s consent. In 2014 Arkansas, Indiana, Iowa, Maryland, Oregon, South Dakota and Wyoming enacted this type of legislation that allows electronic delivery of documents and notices.
 
Electronic Proof of Insurance
Maryland is the most recent state to adopt e-card laws or regulations that allow drivers to show evidence of insurance with their smart phone during a traffic stop. As of June 26, there are 37 states with e-card laws. In 2014 Delaware, Maryland, Rhode Island, South Carolina and South Dakota enacted e-card legislation. The trend of states modernizing their insurance laws has advanced quickly. In 2011, no states allowed drivers to use their cell phone to show proof of insurance in a traffic stop and today more than two-thirds of the states have enacted laws or adopted regulations.


Learn More

PCI supports Delaware’s New Law that Makes Displaying Proof of Insurance Easier for Motorists

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

PCI Urges Governor Nikki Haley to Sign E-Card Bill

Georgia Insurance E-Commerce Bill Passes House

Insurance E-Commerce Legislation Advancing in Arizona, South Dakota and Wyoming

South Dakota Measure Gives Consumers More Choice and Flexibility to Prove Auto Insurance