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E-Commerce

Connecticut Enacts E-Card for Proof of Insurance

States continue taking steps to provide electronic access to insurance information

Connecticut Governor Dan Malloy recently signed legislation, HB 5203, which gives drivers the option of using their cell phone or other electronic device to show proof of insurance during a traffic stop. Now 49 states and the District of Columbia give consumers the choice to use a paper insurance card or their smartphone to show proof of coverage.

Louisiana also made progress enacting legislation, HB 370, that authorizes electronic delivery of insurance coverage notices and SB 85 that allows customers to opt-in to receive claim payments by electronic transfer if the carrier offers that option. Currently there are 38 states and the District of Columbia that permit e-delivery of insurance information.

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.

PCI Advocates for E-Titling and E-Odometer Regulations

PCI supports the electronic titling of motor vehicles as it can help reduce fraud and promises immense efficiencies for states and for those industries that process a high volume of motor vehicle titles. PCI is actively working to expedite the finalization of a pending e-odometer regulation by the National Highway Traffic Safety Administration. Securing these regulations will provide guidance for states to adopt e-odometer disclosure systems and implement e-titling initiatives.

The following outlines the progress being made on these issues.



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E_Card Enacted States 2018

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

Electronic Delivery of Insurance Information
Currently 38 states 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 49 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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PCI Meets with Congressional Staff Regarding E-Titling 
PCI met with Congressional staff this week in an effort to expedite the finalization of a pending e-odometer ...
PCI to Meet with Congressional Staff Regarding E-Titling 
PCI is meeting with Congressional staff this week in an effort to expedite the finalization of a pending e-odometer ...
South Carolina Consumers One Step Closer to Going Paperless for Insurance Documents 
The Property Casualty Insurers Association of America (PCI) commends the South Carolina House and Senate ...