|Targeted News Service|
With almost half of state legislatures in the country likely to consider changing their laws to allow drivers to use their cell phones to show their insurance identification card in order to prove they are insured, electronic proof of coverage is one of the hottest insurance-related legislative trends for 2013, according to the
"States are taking another step into the Electronic Age by changing their laws to allow drivers to show their insurance ID cards on their smartphone," said
PCI anticipates over 20 states will consider electronic proof of coverage bills or regulations in 2013. The states discussing e-Card proposals include:
"Electronic proof of coverage, or e-Card, is a win-win-win for consumers, insurers and state officials. Consumers are using their cell phones for more and more things. They want less paper and more online account features," said Hageli. "Like any other business, insurers want to meet their policyholders' needs and are developing apps and expanding online services to satisfy customer expectations. Without changing the law, though, insurers are still required to send paper ID cards to each customer. These proposed laws will enable insurers to adapt to changing consumer behavior. Finally, the courts win because the docket will be cleared up of individuals who had insurance but just didn't have a current ID card. "
In 2012 five states made the change to e-Card including:
PCI supports flexible proposals that are not mandatory and give both the policyholder and the insurance company a choice to offer electronic proof of coverage options.
"Every year, thousands upon thousands of tickets are issued to drivers just because they forgot to put their new ID card in their vehicle," said Hageli. "It's a big waste of everybody's time and effort, especially the courts. Now is the time to make a small change in the law so insurers and consumers can take advantage of technology and avoid those annoying fix-it tickets."
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