Electronic Proof of
Insurance
Allows you customer to take a picture of their Proof of
Insurance Card while in your phone app, save the picture onto their phone and
display the picture to any police officer asking for proof of insurance.
New Laws This Year
As of this writing these state will accept electronic proof
of insurance.
- Alabama
- Arizona
- California
- Colorado
- Idaho
- Louisiana
- Minnesota
What Exactly is Acceptable as Electronic Proof of Insurance
The Colorado law uses this wording…
“This may be, but is not limited to, insurer provided
electronic image/proof on applicant’s cellular phone, lap top, or other
portable type of electronic device.”
Idaho uses this wording…
“This may be, but is not limited to, insurer provided
electronic image/proof on applicant’s cellular phone, lap top, or other
portable type of electronic device.”
Louisiana’s wording is…
“an image of the card or similar
documents
26 capable of being displayed on a
mobile electronic device,”
Arizona wording
“The card meets the requirement or an image of the card that is displayed on a wireless
communication device meets the requirement”
Minnesota does not define the format, only that “The
insurance identification card may be provided
2.3 in an electronic format if the insured agrees.”
2.3 in an electronic format if the insured agrees.”
California also does not define the file format.
No Right to View
Other Content
If only a picture is needed, then the insured can always
just take their phone and take a picture of their Proof of Insurance Card
setting on their desk. But do they really what to let the police officer look
at all the other pictures in their Gallery while they try and find the one they
took of their Proof of Insurance?
All of the laws include language making it clear that the
police officer has no right to view any other material on the mobile device or
that the action of showing your Proof of Insurance on your mobile device is not
permission to provide any other access to your mobile device.
Here is the California wording:
“(g) For the purposes of this section, when a person
provides evidence of financial responsibility using a mobile electronic device
to a peace officer, the peace officer shall
only view the evidence of financial responsibility and is prohibited from
viewing any other content on the mobile electronic device.”
Give Your Insureds a
Helpful Tool
Adding this form to your agency’s phone app is another way
to provide better customer service.
Let us know if you want this added to your app.
