Property Casualty Insurers Association of America
Industry Issues | 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. Iowa was the latest state to enact this type of legislation. There are currently 14 states (Alaska, Arizona, Florida, Illinois Iowa, Kansas, Michigan, Minnesota, Missouri, Oklahoma, Pennsylvania, Texas, Virginia and Wisconsin) that have approved laws that will allow consumers to access their insurance policy through a website. This number may increase in 2014 as more states consider legislation this session.
Electronic Delivery of Insurance Information
PCI support legislation that enable insurers to conduct all policyholder transactions over the internet with the consumer’s consent. Iowa was the latest state to enact this type of legislation. 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.
Electronic Proof of Insurance
The insurance e-commerce revolution has advanced quickly. In 2011, no states allowed drivers to use their cell phone to show proof of insurance in a traffic stop. By the end of 2012, seven states had approved laws or regulations allowing the use of digital proof of insurance, or e-cards. South Carolina was the latest state to enact this type of legislation and now 31 states have approved e-card laws. In 2014, this number is expected to grow as more states consider this type of legislation.

Learn More

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